Description of ALM policy Disclosure of accommodation costs Disclosure of accommodation expenses Policy of accommodation costs Policy of accommodation expenses Accommodation costs Total of accommodation costs Accommodation expenses Description of the composition of the accountability body Description of the opinion of the accountability body on the actions of management, policies, as well as future policy choices Description of the response of management to the opinion of the accountability body Description of accountability exercised supervision Description of accountability by non-executive managing directors of exercised supervision Description of the standards applied earlier than the latest entry dates according to the new Guidelines Accrued interest rate rebate Accrued interest rate rebate Required interest addition vvp own account Acquisition costs paid Acquisition costs paid Description of the estimate of the fair value of the identifiable assets and liabilities of an acquisition Description of the estimate of the fair value of the identifiable assets and liabilities Description of the purchase price of the acquisition Description of the purchase price The purchase price of the acquisition The purchase price Activated acquisition costs for the financial year Description of how and in what way the activities of the company are related to ecological sustainable activities Disclosure of the activities and financial position Disclosure of the activities performed by volunteers Description of the importance of activities performed by volunteers Description of the method of the determination of the actual cost price of intangible assets when valued at current value Description of the actual coverage ratio Summary of the actuarial report Interest provision Additional costs for financing Additional costs for financing Additional information with regard to the categorical cost types, including the total amount of the depreciations processed in the profit and loss account and wages and salaries Disclosure of additional information in case of deviations from regulations based on specific laws and regulations and subsidy regulations Disclosure of additional information to article 2:395a DCC Additional provision for life insurance based on adequacy test Additions and acquisitions (classified as investing activities) Total of additions and acquisitions (classified as investing activities) Total of additions and acquisitions (classified as investing activities) Additions and acquisitions Disclosure of additions to provisions Policy of additions to provisions Additions to provisions Adjusted equity after recalculation Adjusted revaluation reserve after recalculation due to change in accounting policies Description of the fact that it is practically impossible to make certain adjustments to the policies of the participating legal person Adjustments for depreciation and amortisation expense Adjustments for (reversal of) impairment recognised in profit or loss Adjustments for (reversal of) impairment Adjustments to reconcile to the net result Total of adjustments to reconcile to the net result Adjustments to reconcile to the operating result Total of adjustments to reconcile to the operating result Adjustment of recycle items Adjustment of recycle items Description of affairs with an impact on staffing Description of the previous and current asset aggregation as well as the reason for changing the way in which the cash-generating unit is determined Description of the agreement between the pension fund and employers relating to financing and implementation Agreements with clients concerning financing and execution information Revaluation of agricultural inventories valued at current value charged to revaluation reserve Basis of the net realizable value of agricultural stocks Revaluation of agricultural inventories valued at current value Revaluation of agricultural inventories Amount received due to revaluation of agrarian inventories valued at current value and/or write down accounted for in the revaluation reserve Disclosure of revaluations of agricultural inventories valued at current value Current value of agricultural inventories Current value Disclosure of all aspects of transactions not considered a lease in terms of economic reality Description of the allocation or breakdown of remuneration to the individual investment entities Description of the distribution of the roles and responsibilities of the individual supervisory directors within the (committees of the) supervisory board Disclosure of the names of the manager, investment entity or custodian related parties to whom the brokerage fees have benefited Policy of the names of the manager, investment entity or custodian related parties to whom the brokerage fees have benefited The names of the manager, investment entity or custodian related parties to whom the brokerage fees have benefited Description of the risk policy relating to alternative investments Description of the income and associated costs recognized in the profit and loss account, and the items in the profit and loss account in which these amounts are included Amortisation of acquisition costs Amortisation of interest rates discounts (Amortization of) share premium and discounts (Amortization of) share premium and discounts Balance financial year Balance financial year at the beginning of the period Balance financial year at the end of the period Amount of changes value of agricultural stocks valued at current value immediately recognized in the profit and loss account Amount of the conditional lease payments under operating leases in the lessor's financial statements that have been recognized as revenue Amount of deferred tax assets and liabilities recognized in the balance sheet for deductible temporary differences Amount of deferred tax assets and liabilities recognized in the balance sheet for available forward loss compensation Amount of deferred tax assets and liabilities recognized in the balance sheet for taxable temporary differences Amount of deferred tax expense or income recognized in the income statement for deductible temporary differences Amount of deferred tax expense or income recognized in the profit and loss account for available forward loss compensation Amount of deferred tax expense or income recognized in the profit and loss account for taxable temporary differences Balance financial year Balance financial year at the beginning of the period Balance financial year at the end of the period Description of the amount of expired repayments of next year on non current liabilities Description of the amount of overdue dividend on fixed-term cumulative preferential or similar shares Disclosure of amount per share available for distribution exceeded by the fiscal distribution obligation Description of the amount recognized as income during the period Description of amounts of assets and liabilities contributed by each of the parties Amounts owed by brokers Analysis of balance income and expenses Disclosure of the analysis of the differences between the actual figures and those of the previous financial reporting period Disclosure of analysis of differences between the budget and actuals Disclosure of analysis of the main cash flows and financing needs Disclosure of analysis of the main risks and uncertainties Description of the annual tracking difference Disclosure of annualised current expenses factor Applicable funding position of pension provider Description of the applicable, or estimated, funding position of pension provider Description of the nature of the property in operation Description of the scope of the property in operation Description of the size of the property in operation Description of the appointment of an administrator during the period Description of the method of appointment of management Description of the method of appointment of the supervisory body Description of the asset concerned and any restriction on its use Asset management expenses as a percentage of the average invested assets Description of the asset management expenses Disclosure of asset management expenses Disclosure of asset management expenses on behalf of participants Policy of asset management expenses on behalf of participants Asset management expenses on behalf of participants Asset management expenses on behalf of participants Disclosure of asset management expenses on behalf of pension fund Policy of asset management expenses on behalf of pension fund Asset management expenses on behalf of pension fund Asset management expenses on behalf of pension fund Disclosure of other asset management expenses Policy of other asset management expenses Other asset management expenses Asset management expenses paid Asset management expenses paid Policy of asset management expenses Asset management expenses Asset management expenses Total of asset management expenses Disclosure of assets that are not financial assets which are accepted on a regulated market or other market for financial instruments Disclosure of temporarily purchased assets with a repurchase agreement Disclosure of temporarily sold assets with a repurchase agreement Description of the extent to which the assumptions deviate from the policy value compared to the market value Description of the assumptions underlying the standard formula if the insurer uses company-specific parameters for the calculation of its Solvency Capital Requirement Description of the assumptions for determining the policy value Disclosure of attributed economic capital Disclosure of available for member payments Policy of available for member payments Available for member payments Total of available for member payments Average duration of the awards Average amount of the awards Description of the average term of the liabilities and receivables Balance of income and expenses Total of balance of income and expenses Other technical income and expenses received and paid, on balance Other technical income and expenses received and paid, on balance Balance other technical income and expenses Total of balance other technical income and expenses Total of balance other technical income and expenses Description of the prepared balance sheet and the principles and methods used for the valuation of assets Description of the basis of calculation and the manner of the charge of the costs to the result Description of the basis of calculation and the manner of the charge of the costs to the managed assets Description of the basis of calculation and the manner of the charge of the costs to the participants in the investment entity Basis of calculation proposed dividend description Payments and surrenders own account Payments and surrenders own account Accumulated depreciation and impairment of bonds and other fixed-income securities Accumulated depreciation and impairments Accumulated depreciation and impairments at the beginning of the period Accumulated depreciation and impairments at the end of the period Additions to bonds and other fixed-income securities Depreciation of bonds and other fixed-income securities Depreciation of bonds and other fixed-income securities Depreciation of disposals of bonds and other fixed-income securities Disposals of bonds and other fixed-income securities Disposals of bonds and other fixed-income securities Reversal of impairment of bonds and other fixed-income securities Impairment of bonds and other fixed-income securities Impairment of bonds and other fixed-income securities Movement of bonds and other fixed-income securities Total of movements during the period Movement during the period The book value at the balance sheet date of finance leases Value of the borrowed and lent financial instruments Disclosure of borrowings from governments and credit institutions Disclosure of borrowings from governments and credit institutions guaranteed by governments Policy of borrowings from governments and credit institutions guaranteed by governments Borrowings from governments and credit institutions guaranteed by governments Policy of borrowings from governments and credit institutions Disclosure of borrowings from governments and credit institutions secured by WSW Policy of borrowings from governments and credit institutions secured by WSW Borrowings from governments and credit institutions secured by WSW Borrowings from governments and credit institutions Total of borrowings from governments and credit institutions Summary of the budget for the next financial year Budget for the year following the reporting period in summary form Description of business activities for non-listed organisations in which the investment entity has a controlling interest Description of the business model Description of the way in which the surcharges and discounts for own shares are calculated Disclosure of segregated assets that a bank manages in its own name on behalf of another Explanation of equity ratios Accumulated amortisation and impairments of capitalised acquisition costs Accumulated amortisation and impairments at the beginning of the period Accumulated amortisation and impairments at the end of the period Accumulated revaluations of capitalised acquisition costs Accumulated revaluations at the beginning of the period Accumulated revaluations at the end of the period Additions through acquisitions of capitalised acquisition costs Additions through acquisitions Additions of capitalised acquisition costs Additions Amortisation of capitalised acquisition costs Amortisation of capitalised acquisition costs Amortisation Cost price of capitalised acquisition costs Cost price at the beginning of the period Cost price at the end of the period Disclosure of capitalised acquisition costs Amortisation on disposals of capitalised acquisition costs Amortisation on disposals Disposals of capitalised acquisition costs Disposals of capitalised acquisition costs Disposals Divestitures of capitalised acquisition costs Divestitures of capitalised acquisition costs Divestitures Exchange differences on capitalised acquisition costs Exchange differences Reversal of impairments of capitalised acquisition costs Reversal of impairments Impairments of capitalised acquisition costs Impairments of capitalised acquisition costs Impairments Capitalised acquisition costs regarding indemnity insurance Capitalised acquisition costs regarding life insurance Capitalised acquisition costs regarding life insurance Capitalised acquisition costs regarding life insurance Movement during the period of capitalised acquisition costs Total of movements during the period Movement during the period Other movements of capitalised acquisition costs Other movements Policy of capitalised acquisition costs Revaluations of capitalised acquisition costs Revaluations Capitalised acquisition costs Capitalised acquisition costs at the beginning of the period Capitalised acquisition costs at the end of the period Disclosure of capitalised discounts and capitalised negative redemption payments Car and transport costs Carried interest paid by the investment entity to the administrator of the investment entity Disclosure of cash and cash equivalents and the cash flow from operating, investing and financing activities attributable to third parties Cash and cash equivalents (cash flow) Total of cash and cash equivalents Cash and cash equivalents Cash and cash equivalents at the beginning of the period Cash and cash equivalents at the end of the period Indication if cash and cash equivalents are held for exploitation, held for direct use relating to the objective or held as an investment Description of cash and cash equivalents of which the legal entity does not have legal ownership Cash equivalents deviate from definition Cash flows from (used in) financing activities of business activities that are not continued sustainably Total of cash flow from (used in) financing activities of the discontinued operations Cash flows from (used in) financing activities of the discontinued operations in the reporting period Cash flows from (used in) financing activities Total of cash flow from (used in) financing activities Description of the method and key assumptions on which the cash flow forecasts are based, if the recoverable value is based on cash flow forecasts Cash flows from (used in) operations Total of cash flow from (used in) operations Cash flows from (used in) investing activities of business activities that are not continued sustainably Total of cash flow from (used in) investing activities of the discontinued operations Cash flows from (used in) investing activities of the discontinued operations in the reporting period Cash flows from (used in) investing activities Total of cash flow from (used in) investing activities Cash flows from (used in) investing and investment activities Cash flow from (used in) investment activities Total of cash flow from (used in) investment activities Cash flows from (used in) operating activities before tax Total of cash flows from (used in) operating activities before tax Cash flows from (used in) operating activities of business activities that are not continued sustainably Total of cash flows from (used in) operating activities of business activities that are not continued sustainably Cash flows from (used in) operating activities of the discontinued operations in the reporting period Cash flows from (used in) operating activities Total of cash flows from (used in) operating activities Cash flow from (used in) pension activities Total of cash flow from (used in) pension activities Disclosure of cash flow statement Description of the exemption to prepare the cash flow statement Policy of cash flow statement Disclosure of catastrophe provision Policy of catastrophe provision Catastrophe provision Description of the cause if the insurer does not meet the Minimum Capital Requirement or significantly does not meet the Solvency Capital Requirement Disclosure of contributions of central governments Central government contributions minus the amount relating to the workplace function (university with university medical center) Total of central government contributions minus the amount relating to the workplace function (university with university medical center) Policy of contributions of central governments Disclosure of the central government contributions relating to the workplace function (university with university medical center) Disclosure of information on funding parameters that are important for the granting of the government grant from the Ministry of Education, Culture and Science over the reporting year Policy of the central government contributions relating to the workplace function and medical faculty of UMC's Central government contributions relating to the workplace function and medical faculty of UMC's Policy of the central government contributions relating to the workplace function (university with university medical center) Central government contributions relating to the workplace function (university with university medical center) Central government contributions relating to the workplace function (university with university medical center) Contributions of central governments Total of contributions of central governments Related expenditures Description of the change in accounting estimates Description of the change in accounting estimates on the current period Description of disclosure if the quantitative effect of a change in accounting estimates for the reporting period is impracticable Description of the indication of the effect of the estimate change on future periods Description of inability to determine numerical indication of change in accounting estimate on future periods Notes to the types and quantitative effects of changes in accounting estimates if of importance in the reporting period or subsequent periods Changes in accounting estimates Description of the numerical influence of a system change on one or more subsequent financial years Description of the effect of the change in accounting policies on individual items Effects on individual lineitems of changes in accounting principles Description of the effect of changes in accounting policies on reserves and funds and results Description of the method of processing the effects of the change in accounting policies Description of the significance of the change in accounting policy if it is not practically possible to quantify the effect Description of the application of the transitional provision regarding the change in accounting policy from current value to historical cost price Change due to changes Total of change due to changes Total of change due to changes Disclosure of other change in other technical provisions for own account Policy of other change in other technical provisions for own account Other change in other technical provisions for own account Change in technical provisions Disclosure of change in provision for pension obligations on behalf of participants Policy of change in provision for pension obligations on behalf of participants Change in provision for pension obligations on behalf of participants Total change in provision for pension obligations on behalf of participants Disclosure of change in provision for pension obligations on behalf of pension fund Change in provision for pension liabilities for the risk of the pension fund due to allowances Surcharges Change in provision pension obligations on behalf of pension fund due to interest added Interest added Movement in provision for pension liabilities at the risk of the pension fund due to changes in market interest Change in market interest rates Other changes in provision pension obligations on behalf of pension fund Other changes Change in provision pension obligations on behalf of pension fund due to pension accrual Pension accrual Policy of change in provision for pension obligations on behalf of pension fund Change in provision pension obligations on behalf of pension fund due to transfers of rights Change in provision pension obligations on behalf of pension fund due to transfers of rights Change due to transfers of rights Change in provision pension obligations on behalf of pension fund due to withdrawals of pension benefits and pension administration expenses Change in provision pension obligations on behalf of pension fund due to withdrawals of pension benefits and pension administration expenses Withdrawals of pension benefits and pension administration expenses Change in provision for pension obligations on behalf of pension fund Total of change in provision for pension obligations on behalf of pension fund Change in reinsurance part of technical provision Disclosure of change in reinsurance part of technical provisions Policy of change in reinsurance part of technical provisions Change in reinsurance part of technical provisions Disclosure of change in value of agricultural stocks Policy of change in value of agricultural stocks Change in value of agricultural stocks Disclosure of changes in the grouping of balance sheet items or income expenses statement items Changes in borrowings Changes in borrowings Description of changes in the scope of the report, data presentation and data collection methods Description of the reason for changes in the choice or method of calculating key figures Description of the reason for changes in the choice or method of calculation of key ratios Changes reserve from value adjustments Description of changes in (statutory) goals Disclosure of changes made during the financial year in the terms of the rights granted by the company during the financial year Disclosure of changes in value of financial assets Disclosure of revaluation of financial assets Policy of changes in the value of financial assets Policy of revaluation of financial assets Changes in value of financial assets Revaluation of financial assets Disclosure of changes in the fair value of real estate investments Policy of changes in the fair value of real estate investments Changes in the fair value of real estate investments Total of changes in the fair value of real estate investments Changes in the fair value of real estate investments at the beginning of the period Changes in the fair value of real estate investments at the end of the period Changes in working capital Total of changes in working capital Description of the characteristics of the implementing arrangement or similar financing arrangements Description of the extent to which the influence of taxes has been taken into account when valuing agricultural inventories at current value Description of the nature and extent of the business activities Disclosure of commercial and social real estate in exploitation Policy of commercial and social real estate in exploitation Commercial and social real estate in exploitation Commissions and profit sharing received from reinsurers (cashflow) Commissions and profit sharing received from reinsurers Paid commissions Paid commissions Commissions received Commissions received Communication expenses Description of the comparison between the total return on investments with the appropriate benchmarks and z-scores Description of the competencematrix Description of complaints settlements Description of the compliance to the Code Pension funds Disclosure of the composition of assets according to the standards of the investment policy Disclosure of the composition of assets 85 percent or more invested according to the standards of the investment policy Composition board and other organs premium pension institutions Disclosure of composition of cash and cash equivalents Description of the composition of the available solvency capital Disclosure of compound financial instruments Disclosure of compound instruments Disclosure of compound transactions and other transactions without transfer of cash and cash equivalents Disclosure of adjustments of recycle items Disclosure of income and expenses recognized directly in the legal entity's equity as part of the group equity Disclosure of other income and expenses within other comprehensive income, resulting in changes in equity of legal entity as part of group entity Other income and expenses within other comprehensive income, resulting in changes in equity of legal entity as part of group entity Income and expenses recognized directly in the legal entity's equity as part of the group equity Total of income and expenses recognized directly in the legal entity's equity as part of the group equity Disclosure of realised revaluation charged to equity Description of concentration of insurance risks in the portfolio Concentration risk description Description of the conditional purchase price of the acquisition Description of the conditional purchase price The conditional purchase price of the acquisition The conditional purchase price Description of conditional financial obligations relating to development funds Description of any contingent income or expense Description of the conditions for certification and the possibility of expulsion Description of conditions of sale and purchase, and repayment of investments in participating interests Description of the consequences if the insurer does not meet the Minimum Capital Requirement or does not significantly comply with the Solvency Capital Requirement Description of the changes in consolidated interests Disclosure of proportional consolidation Accumulated project revenues of construction contracts Accumulated project revenues of construction contracts Accumulated project revenues Cumulative sum of the till then sustainable project income of the construction contracts Cumulative project revenue from projects in progress Accumulated project revenues Cumulative sum of the till then sustainable project income of the construction contracts Provision of information on the total of the capitalized costs of obtaining an agreement Provision of information on the total of the capitalized costs of obtaining an agreement Construction contracts Total of construction contracts Construction contracts Total of construction contracts Disclosure of construction contracts (assets) Disclosure of construction contracts Construction contracts (assets) Construction contracts (assets) Construction contracts Receivables from construction contracts Construction contracts (assets) Construction contracts Receivables from construction contracts Capitalised expenses for not yet provided services of construction contracts Capitalised expenses for services not yet rendered Capitalised expenses for not yet provided services of construction contracts Capitalised expenses for services not yet rendered Income from construction contracts classified as income in the income statement Income from construction contracts Disclosure of construction contracts Disclosure of construction contracts (liabilities) Disclosure of construction contracts Policy of construction contracts (liabilities) Construction contracts (liabilities) Construction contracts Liabilities from construction contracts Construction contracts (liabilities) Construction contracts (liabilities) Construction contracts Liabilities from construction contracts Description of the method used for accounting for project revenues in the profit and loss account Description of the method used for accounting for project revenues in the profit and loss account Method used to account for project income in the profit and loss account Method used to account for project income in the profit and loss account Description of construction contracts of which the legal entity does not have legal ownership Description of construction contracts of which the legal entity does not have legal ownership Policy of construction contracts Method used for determining the extent of services provided during execution of construction contracts Installments charged Installments charged Advances received Installments charged Installments charged Advances received Amount withheld by clients of construction contracts Amount withheld by clients Amount withheld by clients of construction contracts Amount withheld by clients Content pension regulations, products and services of PPI, together with categories stakeholders Description of the size and duration of obligations to purchase or sell stocks of special significance Additions to continuity reserve Disclosure of continuity reserve Description of the minimum required balance of the continuity reserve and underlying assumptions Policy of continuity reserve Withdrawals from continuity reserve Continuity reserve Continuity reserve at the beginning of the period Continuity reserve at the end of the period Description of the main risks and uncertainties Disclosure of the continuity section Continuity section Disclosure of contribution risks riskparagraph to required solvency Disclosure of contributions of participants Policy of contributions of participants Contributions of participants Disclosure of contributions received from central cash Policy of contributions received from central cash Contributions received from central cash Description of how to deal with any gaps in knowledge and skills Description of the core business Available core capital ratio Available core capital Disclosure of core capital Minimum required core capital ratio Minimum required core capital Corporate social responsibility information Description of the corrective actions taken if the insurer does not meet the Minimum Capital Requirement or does not significantly comply with the Solvency Capital Requirement Disclosure of the cost allocation to activities Policy of the cost allocation to activities Disclosure of cost of sales not purchased from members Policy of cost of sales not purchased from members Cost of sales not purchased from members Cost of sales not purchased from members Costs price from product/service delivery Costs price from product/service delivery Costs for custody of the assets of the investment entity Costs directly charged against capital Description of which costs are included if the insurance company deducts costs in whole or in part from the provision or capitalizes and writes off Disclosure of costs of investments Policy of costs of investments Costs of investments Disclosure of cost of joint campaigns Policy of cost of joint campaigns Cost of joint campaigns Disclosure of costs of obtaining governments grants Policy of costs of obtaining governments grants Costs of obtaining government subsidies Disclosure of costs of outsourcing and subcontracting Policy of costs of outsourcing and subcontracting Costs of outsourcing and subcontracting Disclosure of the costs of the own organisation Disclosure of costs of outsourced work relating to the administration of the investment entity or custody of the assets of the investment entity Policy of costs of outsourced work relating to the administration of the investment entity or custody of the assets of the investment entity Costs of outsourced work relating to the administration of the investment entity or custody of the assets of the investment entity Total of costs of outsourced work relating to the administration of the investment entity or custody of the assets of the investment entity Costs outsourced work custody of investment entity Disclosure of costs of outsourced work Disclosure of outsourced work Policy of costs of outsourced work Policy of outsourced work Costs of outsourced work Outsourced work Disclosure of costs of direct fundraising Policy of costs of direct fundraising Costs of own fundraising Costs Disclosure of costs of raw materials and consumables not purchased from members Policy of costs of raw materials and consumables not purchased from members Costs of raw materials and consumables not purchased from members Costs of raw materials and consumables not purchased from members Costs settled with vvp own account Costs settled with vvp own account Disclosure of cost of third-party campaigns Policy of cost of third-party campaigns Cost of third-party campaigns Description of the counterparties of the derivatives transactions Country counterparties description Description of the policy relating to the coverage ratio Disclosure of creditors Policy of creditors Creditors Total of creditors Description of the criteria that apply to determine when the development phase for real estate is completed Decription of critical performance indicators of which must be reported, namely the proportion of capital expenses Decription of critical performance indicators of which must be reported, namely the proportion of operational expenses Description of pollution prevention and control Description of the protection and restoration of biodiversity and ecosystems Description of the sustainable use and protection of water and marine resources Decription of critical performance indicators of which must be reported, namely the proportion of sustainable activities in revenue Description of the transition to a circular economy Disclosure of cumulative unprocessed share in the loss of participating interests Cumulative unprocessed share in the loss of participating interests Currency differences on loans as far as they can be considered as a correction of the interest charges due Currency differences on loans as far as they can be considered as a correction of the interest charges due Currency of securities description Current expenses factor of the class of shares Disclosure of current expenses factor of classes of shares Disclosure of current expenses factor Current expenses factor of the subfund LKF Disclosure of current expenses factor of subfunds Current expenses factor LKF Description of the basis upon which the current value is determined, if the recoverable value is based on the current value Disclosure of custodian fees Policy of custodian fees Custodian fees Custodian fees DBCs and DBC-healthcare products in progress (assets) DBCs and DBC-healthcare products in progress Advances received for DBCs and DBC-healthcare products in progress Advances received for DBCs and DBC-healthcare products in progress Disclosure of work in progress relating to DBC's / DBC-healthcare products Gross DBCs and DBC-healthcare products in progress Work in progress relating to DBCs / DBC-healthcare products DBCs and DBC-healthcare products in progress (liabilities) DBCs and DBC-healthcare products in progress Net DBCs and DBC-healthcare products in progress Total of net DBCs and DBC-healthcare products in progress Policy of work in progress relating to DBC's / DBC-healthcare products Provision for DBCs and DBC-healthcare products in progress Provision for DBCs and DBC-healthcare products in progress Damage expenses Disclosure of damage outflow overview Damages and benefits paid Damages and benefits paid Damages and benefits paid Damages and benefits paid Damages and benefits received from reinsurers Debt-claims dividend interest Disclosure of decrease in value of deferred tax assets Policy of decrease in value of deferred tax assets Decrease in value of deferred tax assets Disclosure of deducted management fees and other fees Policy of deducted management fees and other fees Deducted management fees and other fees Deducted management fees and other fees Deferred acquisition costs (classified as operating activities) Deferred acquisition costs Deferred income tax expense Disclosure of current deferred tax assets Disclosure of deferred tax assets Current deferred tax assets Deferred tax assets Disclosure of deferred tax assets Disclosure of non-current deferred tax assets Disclosure of deferred tax assets Non-current deferred tax assets Deferred tax assets Policy of deferred tax assets Deferred tax assets Disclosure of deferred tax assets or liabilities at discounted value Disclosure of the basis of deferred taxes relating to the investments Policy of deferred income tax expenses related to the investments Disclosure of deferred tax liabilities Policy of deferred tax liabilities Deferred tax liabilities Definition of the key figures that cannot be derived directly from the financial statements Definition of the key ratios that cannot be derived directly from the financial statements Acquisition costs to be amortized Acquisition costs to be amortized at the end of the period Interest rate discount to be written off Interest rate discount to be written off at the end of the period Depreciation of capitalized acquisition costs for the financial year Depreciation of capitalized acquisition costs for the financial year Disclosure of depreciation, amortisation and interest expenses Disclosure of depreciation, amortisation and interest Depreciation and amortisation Basis for write-downs and write-offs on loans Depreciation position at the end of the previous financial year Depreciation position at the end of the previous financial year Depreciation of interest rate discounts granted in the financial year Depreciation of interest rate discounts granted in the financial year Depreciation of operating assets Underlying nominal value of derivatives Positive fair value of derivatives Additions to the designated fund Description of the amount and specific purpose of the designated funds, the reason for this limitation and any other conditions imposed by third parties Movement of the designated fund during the period Total of movements during the period Movement during the period Disclosure of designated fund (private) Disclosure of private designated fund Policy of designated fund (private) Designated fund (private) Disclosure of designated fund (public) Disclosure of public designated fund Policy of designated fund (public) Designated fund (public) Withdrawals from the designated fund Withdrawals from the designated fund Designated fund Designated fund at the beginning of the period Designated fund at the end of the period Additions to designated funds Disclosure of designated funds Policy of designated funds Withdrawals from designated funds Designated funds Total of designated funds Designated funds at the beginning of the period Designated funds at the end of the period Additions to the designated reserve Description of the amount and the specific purpose of the designated reserves, as well as the fact that the management has made this limitation Movement of the designated reserve during the period Total of movements during the period Movement during the period Disclosure of designated reserve (private) Disclosure of private designated reserve Policy of designated reserve (private) Designated reserve (private) Disclosure of designated reserve (public) Disclosure of public designated reserve Policy of designated reserve (public) Designated reserve (public) Withdrawals from the designated reserve Withdrawals from the designated reserve Designated reserve Designated reserve at the beginning of the period Designated reserve at the end of the period Additions to designated reserves Disclosure of designated reserves Disclosure of other designated reserves Policy of other designated reserves Other designated reserves Total of other designated reserves Other designated reserves at the beginning of the period Other designated reserves at the end of the period Policy of designated reserves Withdrawals from designated reserves Withdrawals from designated reserves Designated reserves Total of designated reserves Designated reserves at the beginning of the period Designated reserves at the end of the period Description of the extent to which indirect costs have been taken into account when determining the manufacturing price Disclosure of the determination of solvency by board premium pension institutions Description of the substantiation of the determination that a supervisory director does or does not meet the requirements of independence Description of the development of the market value Description of the development of the policy value Description of the developments in matters for which expectations were stated in the previous management report Actual developments in the reporting period for important matters for which expectations were stated and important uncertainties reported in the previous management report Description of the developments as a result of internal and external quality management Description of the developments with or in relation to related parties Information concerning developments with respect to investments and returns Disclosure of differences between the movement of balance sheet items according to the cash flow statement compared to difference between the beginning and ending balances Disclosure of differences between the cash flow statement and the movement schedules of assets and equity and liabilities Disclosure of differences between the cash flow statement and the movement schedules of assets and reserves and funds and liabilities Disclosure of differences in the reserves and funds and the result between the separate and consolidated financial statements Description of the nature and extent of gains and/or losses due to dilution Description of the method of processing of gains and/or losses due to dilution Description of direct and indirect economical effects with respect to financial transactions between the organisation and its stakeholders Direct investment income received Disclosure of direct investment properties on behalf of participants Policy of direct investment properties on behalf of participants Direct investment properties on behalf of participants Direct investment properties Disclosure of direct investment properties on behalf of pension fund Policy of direct investment properties on behalf of pension fund Direct investment properties on behalf of pension fund Direct investment properties Disclosure of direct investment results Disclosure of direct investment results on behalf of participants Policy of direct investments results on behalf of participants Direct investment results on behalf of participants Disclosure of direct investment results on behalf of pension fund Policy of direct investment results on behalf of pension fund Direct investment results on behalf of pension fund Policy of direct investment results Direct investment results Total of direct investment results Disclosure of direct operational expenses (including repairs and maintenance) of investment properties that did not generate rental income during the reporting period Direct operational expenses (including repairs and maintenance) of investment properties that did not generate rental income during the reporting period Direct operational expenses of investment properties that did not generate rental income during the reporting period Disclosure of direct operational expenses (including repairs and maintenance) of investment properties that generated rental income during the reporting period Direct operational expenses (including repairs and maintenance) of investment properties that generated rental income during the reporting period Direct operational expenses of investment properties that generated rental income during the reporting period Description of the direction to the pension provider given during the period Book values of the total of the assets to be disposed of or liquidated Book value of the assets of a business activity that does not continue for a long time for which a binding agreement has been entered into Total book value of assets for which the legal entity has a binding agreement Book values of the total of the debt capital items that are disposed of or liquidated Book value of the debt capital of a business activity that is not continued for a long time for which a binding agreement has been entered into Total book value of items for which the legal entity has a binding agreement Description of the consequences of changes to the plan to discontinue operations Description of the discontinued business activities that are not continued sustainably Disclosure of discontinued business activities that are not continued sustainably Discontinued operations Description of the time or time period when the discontinuation of operations will be finalised Description of the time or time period of finalisation Description of the nature of the initial event of business activities that are not continued sustainablys Description of the nature of the initial event Net proceeds of sale of business activities that are not continued sustainably Description of the segment of business activities that are not continued sustainably Operational segment reporting unsustainable business operations Description of the time of the initial event of business activities that are not continued sustainably Description of the time of the initial event Description of the extent to which the discount rate used differs from the policy value compared to the market value Description of the discount rate for determining the market value Description of the net interest rate applied at discounting of the liabilities and receivables measured at discounted value Description of the discount rate for determining the policy value Description of the differences compared to DNB reports due to discounts on pension obligations Disclosure of discounts on pension obligations Description of the impact of discounts on pension obligations Description of the method of determining the discounts on pension obligations Description of the process followed, the reasoning of the supervisory board about the strategy drawn up by the management board and the follow-up thereof Disposals, redemptions and divestitures (classified as investing activities) Total of disposals, redemptions and divestitures (classified as investing activities) Disposals, redemptions and divestitures Distributions of share certificates Description of the applied diversity criteria and the reason for choosing them Description of the specific, quantified, measurable goals for the relevant diversity aspects Description of the plan to meet the diversity objectives Disclosure of dividend and rental income Policy of dividend and rental income Dividend and rental income Dividend expense Dividend of expenses Disclosure of dividend income Disclosure of dividends received Dividend income Dividends received Disclosure of dividend payable to holders of preferred shares Dividend payable to holders of preferred shares Disclosure of proposed amount of dividend payments to holders of equity instruments (classified as equity) Disclosure of proposed amount of dividend payments to holders of equity instruments Policy of proposed amount of dividend payments to holders of equity instruments (classified as equity) Policy of proposed amount of dividend payments to holders of equity instruments Proposed amount of dividend payments to holders of equity instruments (classified as equity) Proposed amount of dividend payments to holders of equity instruments Disclosure of proposed amount of dividend payments to holders of equity instruments Policy of proposed amount of dividend payments to holders of equity instruments Proposed amount of dividend payments to holders of equity instruments Dividends paid (from financing activities) Dividends paid (from financing activities) Dividends paid Total of dividends paid Total of dividends paid Dividends paid Dividends paid (from financing activities) Dividends paid (from operating activities) Dividends paid Total of dividends paid Total of dividends paid Dividends paid Dividends paid to holders of minority interests (from financing activities) Dividends paid to holders of minority interests Dividends paid to holders of minority interests Dividends paid to holders of minority interests (from operating activities) Dividends paid to holders of minority interests Dividends paid to holders of minority interests Dividends paid to shareholders of the company (from financing activities) Dividends paid to shareholders of the company Dividends paid to shareholders of the company Dividends paid to shareholders of the company (from operating activities) Dividends paid to shareholders of the company Dividends paid to shareholders of the company Dividends received (from financing activities) Dividends received Dividends received (from investing activities) Dividends received Dividends received (from operating activities) Dividends received Degree of rounding applied Intended rounding level Financial statement contains financial information of an individual legal entity or a group of companies Document relates to an individual entity or a group of entities Disclosure of donor contributions Disclosure of donations Policy of donor contributions Policy of donations Donor contributions Donations Description of the duration of fixed income securities Description of the policy relating to duration matching Disclosure of declared or proposed dividend per share during the financial year EBITA Earnings Before Interest, Taxes and Amortisation EBITDA Earnings Before Interest, Taxes, Depreciation and Amortisation Description of the applied option to present the (agreed) early repayment as short-term debt Early redemption costs (one-time) Early redemption costs (one-time) Disclosure of early retirement and other non-activity schemes Component of net result used as base for basic earnings per share Values used as counter in calculating the basic earnings per share Basic earnings per share Basic Description of conditions of financial instruments that result in dilution of earnings per share Notification of conditions of financial instruments that may result in dilution of earnings per share Component of net result used as base for diluted earnings per share Values used as counter in calculating the diluted earnings per share Diluted earnings per share Diluted Disclosure of earnings per share Policy of earnings per share Disclosure of the reconciliation of the components of net results used as base for the earnings per share Description of education performance Description of educational and education programmatic affairs Effect of exchange rate changes on cash and cash equivalents Effect of exchange rate changes between total cash flow reported in the statement and mutations in the balance sheet cash and cash equivalents Description of the impact of the main events on the semi-annual accounts Description of the effect if specific parameters for the calculation of insurance technical risk modules have been imposed on the insurer by the Dutch Central Bank Description of the efforts made to improve the diversity in the composition of governance bodies Emission costs Emission costs Emission costs Emission costs Expenses of employee benefits excluding external employees Total of expenses of employee benefits excluding external employees Subtotal employee benefits expenses Disclosure of other expenses of employee benefits Disclosure of employee benefits expenses Policy of other expenses of employee benefits Policy of other expenses of employee benefits Other expenses of employee benefits Total of other personnel related expenses Other staff costs Other employee benefits expenses Date of resignation Description of environmental policies and objectives with respect to different environmental aspects Disclosure of equalisation account Policy of equalisation account Equalisation account Disclosure of equipment and furnishing expenses Policy of equipment and furnishing expenses Equipment and furnishing expenses Additions to equity charged against the income statement Additions charged against the income statement Addition charged to the profit and loss account Other additions to equity Other additions Other Additions through revaluation reserve Additions through revaluation reserve Additions to equity Total of additions Additions Disclosure of other equity and liabilities Policy of other equity and liabilities Other equity and liabilities Total of other equity and liabilities Movement in equity as a result of other movements in assets and liabilities Other movements in assets and liabilities Description of the calculation method of other coverage ratios of equity Description of the calculation method of the nominal coverage ratio of equity Disclosure of continuity with impact on equity Disclosure of continuity Description of other coverage ratios of equity Direct equity movement as a result of financial instruments Direct movement as a result of financial instruments Description of the extent of compliance with (minimal) required equity Disclosure of important subsequent events with an impact on equity Important subsequent events Movement in equity as a result of income from investments Income from investments Movement in equity as a result of other income Other income allocation Movement in equity as a result of an increase or decrease in equity of in the managed capital Increase or decrease in equity of in the managed capital Movement in equity as a result of surplus or shortfall in value of investments Surplus or shortfall in value of investments Amount of the transfer between equity and liabilities Description of the transfer between equity and liabilities Description of the timestamp for transfers between equity and liabilities Minimal required equity Nominal coverage ratio of equity Required equity by Pensions Act Reversal of additions to equity through revaluation reserve Reversal of additions through revaluation reserve Revisions of decision for profit sharing of equity Revisions of decision for profit sharing Disclosure of special provisions in the articles of association relating to equity Movement in equity as a result of taxes Taxes allocation Other withdrawals from equity Other withdrawals Other Withdrawals from equity Total of withdrawals Total of withdrawals Withdrawals Disclosures about estimates, judgements, assumptions and uncertainties Estimates Description of the way in which the evaluation of the alternative measures taken with regard to the absence of the internal audit service took place Amount of exceptional item Line item in the income statement in which the exceptional item is processed Description of how a special item has been processed Disclosure of exceptional items in the cash flow statement Disclosure of exceptional items Policy of exceptional items Explanation if the signaling value for excessive public equity, as applied by the Inspectorate of Education, is exceeded Exchange rate differences for foreign currencies Exchange rate differences for foreign currencies Exchange rate differences for foreign currencies Exchange rate differences for foreign currencies Disclosure of exchange differences of foreign participating interests Exchange differences of foreign participating interests Description of the succession planning, selection, appointment and evaluation policy Description of the situation where the exercise of authority of certain bodies of the pension fund is subject to approval of the supervisor during the period Exercise prices of the rights granted by the company during the financial year Description of the expected course of events Description of expected developments of non-listed organisations in which the investment entity has a controlling interest Description of the expected income Description of the expected time of receipt of net sales of assets for which the legal entity has entered into a binding agreement of an unsustainable business activity Description of expected time of receipt of net sales proceeds of debt for which the legal entity has entered into a binding agreement of a business that will not be continued on a sustainable basis Total of the awards Disclosure of expense claims of and payments to managing directors (higher education educational institution) Other expense claims of and payments to managing directors Expense claims of and payments to managing directors Total of expense claims of and payments to managing directors Actual expenses Expenses of borrowing of financial instruments Total of expenses of borrowing of financial instruments Disclosure of expenses of direct and indirect investments in other investment entities Expenses of direct investments in other investment entities Expenses of business activities that are not continued sustainably Expenses due to unsustainable business operations Expenses of Education and Research (O&O) of satellite organisations of the medical cluster Disclosure of expenses for fees of independent medical specialists Policy of expenses for fees of independent medical specialists Expenses for fees of independent medical specialists Expenses of indirect investments in other investment entities Disclosure of expenses from non-commercial activities Policy of expenses from non-commercial activities Expenses from non-commercial activities Expenses from non-commercial activities Disclosure of other expenses exceeding ten percent of total expenses Policy of other expenses exceeding ten percent of total expenses Other expenses exceeding ten percent of total expenses Paid other expenses Paid other expenses Disclosure of expenses according to the prospectus and actual expenses Expenses according to the prospectus Disclosure of expenses recognised at prices significantly different from market prices Disclosure of expenses and reimbursements for borrowing and lending of financial instruments Policy of expenses and reimbursements for borrowing and lending of financial instruments Expenses and reimbursements for borrowing and lending of financial instruments Total of expenses and reimbursements for borrowing and lending of financial instruments Disclosure of expenses spent on objectives Own contribution cost price from product/service delivery Policy of expenses spent on objectives Expenses spent on objectives Expenses spent on objectives Total of expenses spent on objectives Total of expenses spent on objectives Spent on objective Disclosure of expiration capital Policy of expiration capital Expiration capital risk Expiration capital risk Expiration capital Expired subsidy liabilities Description of the expiry dates of losses eligible for forward loss compensation Exploitation subsidies for compensation of costs deducted from costs Exploitation subsidies recorded as operating income Operating subsidies Description of the extent in which is invested in the sponsor Description of the size of the unrealized revaluation regarding the change in accounting policy from current value to historical cost price Description of the size of the compensation received under the NOW scheme Description of the size of the subsidies and other forms of government support recognized in the financial statements during the reporting year Description of the extent of member liability Description of the extent to which benefits are recurring once or annually Disclosure of the item in the profit and loss account in which the surcharges and discounts for transaction costs included in the reissue price or purchase price of treasury shares are recognized Extent transaction costs of reissued price or purchased price Description of external developments that have a potential impact on the social aspects of enterprise Disclosure of expenses of external employees Policy of expenses of external employees Expenses of external employees External employees Disclosure of extraordinary income and expenses Policy of extraordinary income and expenses Extraordinary income and expenses Extraordinary result (from operating activities) Extraordinary result Description of the facilitation of employee participation for the year 2021 to 2024 Disclosure of fair value information when the report is prepared on historical cost basis Favourable difference between the received amount and the principal amount of the loan Description of the feasibility test Fees to cover the legal budget for acceptable costs Fees to cover the legal budget for acceptable costs Disclosure of current finance lease liabilities Disclosure of finance lease liabilities Policy of current finance lease liabilities Policy of finance lease liabilities Current finance lease liabilities Finance lease liabilities Disclosure of non-current finance lease liabilities Disclosure of finance lease liabilities Policy of non-current finance lease liabilities Policy of finance lease liabilities Non-current finance lease liabilities Finance lease liabilities Policy of finance lease liabilities Conditional minimal lease payments of finance leases recognised as expense Conditional minimal lease payments Conditional minimal lease payments of finance leases recognised as income Conditional minimal lease payments Accumulated provision for uncollectability deducted from the discounted value of the minimal lease payments of finance leases Accumulated provision for uncollectability deducted from the discounted value of the minimal lease payments in the financial statement of the lessor (RJ 292.311d) Discountend value of future minimum lease payments of in finance leases of more than five years Present value of the future minimum lease payments of finance leases with a term of more than one year and not more than five years Present value of the future minimum lease payments of finance leases with terms of less than one year Discountend value of future minimum lease payments of in finance leases Total of discountend value of future minimum lease payments of in finance leases Expected minimum future sublease receipts to be received on finance leases for non-cancellable subleases Future sub-lease payment receivables Future sub-lease payment receivables on balance sheet date in the financial statement of the the lessee Gross investment in finance leases with terms of more than one year and less than five years Gross investment in finance leases with a term of less than one year Gross investment in finance leases Total of gross investment in finance leases Gross investment in finance leases with terms of more than five years Important conditions of financial leases Important conditions General description of the important conditions recorded in the financial lease agreement Minimal lease payments of finance leases with a maturity exceeding five years Minimal lease payments with a maturity exceeding five years Minimal lease payments of finance leases with a maturity exceeding one year and within five years Minimal lease payments with a maturity exceeding one year and within five years Minimal lease payments of finance leases with a maturity within one year Minimal lease payments with a maturity within one year Minimal lease payments of finance leases Total of minimal lease payments of finance leases Minimal lease payments Minimal lease payments of finance leases at the beginning of the period Minimal lease payments of finance leases at the end of the period Policy of finance leases Residual value of lease objects of finance leases Residual value of lease objects Unearned interest income of finance leases Unearned interest income Unearned interest income of finance leases in the financial statement of the lessor Additions of financial assets through acquisitions Additions through acquisitions Cost price of financial assets Historical cost price Cost price at the beginning of the period Cost price at the end of the period Description of financial fixed assets that are expected to be deductible or due and payable within 12 months of the balance sheet date Divestitures of financial assets Divestitures Divestitures Dividend declared from participating interests Dividend declared from participating interests Dividend from participating interests Movement as a result of changes in exchange rates Exchange differences Disclosure of fair value of financial assets Nature and extent of restructuring expenses where when determining the fair value of assets, provisions and liabilities of a participating interest are accounted for at the time of purchase Description of the impairment of financial assets Description of reversal of the impairment of financial assets Indication if financial assets are held for exploitation, held for direct use relating to the objective or held as an investment Description of financial assets of which the legal entity does not have legal ownership Absence of legal ownership Disclosure of other financial assets Policy of other financial assets Other financial assets Disclosure of financial assets recognised at prices significantly different from market prices Result of participating interests Share in result of participating interests Disclosure of financial expenses Policy of financial expenses Financial expenses Financial expenses Total of financial expenses Description of the financial impact of a exceptional item if it has been incorporated into several other items in the profit and loss account Disclosure of financial income Disclosure of financial income and expenses Policy of financial income and expenses Financial income and expenses Total of balance financial income and expenses Balance financial income and expenses Policy of financial income Financial income Total of financial income Financial instruments allowed to be listed on a regulated market Description of income and expense from changes in fair value of financial assets at fair value, other than held for trading, recognized in profit or loss or directly in equity until disposal of the asset Financial instruments (assets) Financial instruments Financial instruments (equity capital) Average book value during the year of financial assets and financial liabilities included in the balance sheet Average fair value during the year of all financial assets and all financial liabilities Average principal of the average nominal value of the underlying primary instrument Average principal of the average nominal value of the underlying primary instrument or other comparable amount during the year of off-balance financial assets and financial liabilities Disclosure of the book value of financial instruments Disclosure of financial instruments when book value is higher than fair value Description of the borrowed and lent financial instruments Description of the business purposes for the use of financial instruments Change in the fair value of financial assets and financial liabilities recognized as income or expenses in the reporting period Description of the important contractual conditions of a financial instrument Disclosure of information about currency risks incurred Deferred or unrecognized income or expenses of hedging instruments other than income or expenses related to hedging of expected future transactions Description of a financial instrument Financial instruments (equity) Description of the amount of a financial instrument Description of the extent to which financial instruments are used Disclosure of fair value of financial instruments Disclosure of fair value Policy of fair value of financial instruments Policy of fair value Direct change in income and expenses on derivatives and non-derivatives designated as hedging instruments The transfer from equity and included in the first determination of the acquisition price or other book value of the asset or liability in a hedged expected transaction The transfer from equity is removed to the profit and loss account Description of the circumstances under which cash flows and / or liabilities may arise The cumulative fair value change of the effective part of the hedge The cumulative fair value change of the ineffective part of the hedge recorded through income statement The cumulative fair value change of the ineffective part of the hedge The cumulative fair value change of hedge instruments Disclosure of hedge accounting of financial instruments Disclosure of hedge accounting Description of the extent of the significant liquidity risk Description of the financial instruments designated as hedge instrument for the hedging transaction The fair value of the financial instruments designated as hedge instrument for the hedging transaction Description of the goals and policies regarding financial risk management Description of the hedging strategy Description of hedging of expected transactions is expected to be included in income statement Description of important anticipated transactions previously used for hedge accounting Description of the moment at which cash flows and / or liabilities can occur Description of the nature of the risks to be covered Description of the nature of the risks to be hedged Description of the nature of the significant liquidity risk Description of approximately how many months or years of expected future sales are hedged Description of approximately the percentage of sales in those future months or years Description of hedging of expected transactions in which periods the expected transactions are expected to take place Policy of hedge accounting of financial instruments Disclosure of the ineffective part of the hedge Disclosure of the impact of hedge instruments on interest-, cashflow-, and liquidity risks Disclosure of interest income and expenses of financial instruments Description of the agreed percentage or amount of interest, dividend or other periodic payments on principal and the timing of payment of issued financial instrument Description of amounts and timings of expected future receipts or payments of principal amount of issued financial instrument Description of any condition of an instrument or any related provisions that lead to significant change of any of the provisions of the issued financial instrument Description of the currency in which receipts or payments are made of issued financial instrument Exercise date of issued financial instrument Description of the exercise price or bandwidth of possible exercise prices of issued financial instrument Expiration date of issued financial instrument Description of instruments exchanged of issued financial instrument Nominal amount of issued derivative financial instrument Description of obtained securities for issued financial instruments Description of the options for conversion of exchange of issued financial instruments Description of the options for early settlement of issued financial instruments Principal amount of issued derivative financial instrument Repayment date of issued financial instrument The amount of issued derivative financial instrument that is equivalent to the principal amount or nominal amount Disclosure of financial instruments that would be accounted for as liabilities on the basis of economic reality, but recognized as equity based on the legal form Policy of financial instruments that would be accounted for as liabilities on the basis of economic reality, but recognized as equity based on the legal form Financial instruments that would be accounted for as liabilities on the basis of economic reality, but recognized as equity based on the legal form Financial instruments (liabilities) Financial instruments Financial instruments listed on a regulated market Description of the measures taken to reduce the risks associated with the use of financial instruments Description of the measures taken to reduce the risks associated with the use of financial instruments Description of the methods and significant assumptions used in the estimation of the fair value of financial assets and financial obligations Description of the nature of a financial instrument Description of the nature, amount and important contractual conditions of a financial instrument Description of the nature, amount and important contractual conditions Description of the nature, amount and important contractual conditions of a financial instrument that can influence the amount, time and level of certainty of future cash flows Financial instruments not allowed to be listed or are not traded on a regulated market Description of the agreed percentage or amount of interest, dividend or other periodic payments on principal and the timing of payment of acquired financial instrument Description of amounts and timings of expected future receipts or payments of principal amount of obtained financial instrument Description of any condition of an instrument or any related provisions that lead to significant change of any of the provisions of the obtained financial instrument Description of the currency in which receipts or payments are made of obtained financial instrument Exercise date of acquired financial instrument Description of the exercise price or bandwidth of possible exercise prices of obtained financial instrument Expiration date of obtained financial instrument Description of instruments exchanged of obtained financial instrument Nominal amount of derived derivative financial instrument Description of the options for conversion of exchange of obtained financial instruments Description of the options for early settlement of obtained financial instruments Principal amount of derived derivative financial instrument Repayment date of obtained financial instrument Description of the sureties obtained relating to the borrowed and lent financial instruments The amount of derived derivative financial instrument similar to the principal amount or nominal amount Financial instruments that are not traded on a regulated market or other market in financial instruments Policy of financial instruments Description of the securities of financial instruments provided by the legal entity The securities of financial instruments provided by the legal entity Disclosure of the repricing or repayment dates and effective interest rates of financial assets and liabilities Description of the risk associated with the use of financial instruments Disclosure of interest risks Interest risks Contractual interest repricing or repayment along the extent at which legal entity is exposed to cash flow risks Disclosure of securitisation and repurchase agreements of financial instruments Disclosure of securitisation and repurchase agreement Financial instruments traded on a regulated market or another market for financial instruments Policy of a type of financial instrument Policy of financial instruments Type of financial instrument Description of purchases and sales of financial assets where standard market conventions apply, are recognized on the trade date or on the settlement date Financial instruments Disclosure of non-current financial liabilities with the book value higher than fair value Disclosure of book value higher than fair value Description of the financial position and the developments in the financial position during the period Description of financial products that are based on the EU Taxonomy Description of the impact on comparative figures when deviating from an annual reporting period Impact on comparative figures Description of the reason for deviating from an annual reporting period Reason for deviation Reporting period different than annual (Y/N) Reporting period different than annual Date of preparation of the financial statements Date of preparation Corrections from previous years of the financing deficit (surplus) to be settled in rates Disclosure of financing deficit/surplus to be settled in rates Financing difference during the period of the financing deficit (surplus) to be settled in rates Financing difference during the period Debts due to financing surplus Included in liabilities relating to financing surplus Receivables from financing deficit Receivables from financing deficit Included in receivables relating to financing deficit Movement of financing deficit (surplus) to be settled in rates Total of movements during the period Movement during the period Payments (receipts) of financing deficit (surplus) to be settled in rates Policy of financing deficit/surplus to be settled in rates Stage of adoption of financing deficit/surplus to be settled in rates Stage of adoption Financing deficit (surplus) to be settled in rates Total of financing deficit (surplus) to be settled in rates Financing deficit (surplus) to be settled in rates at the beginning of the period Financing deficit (surplus) to be settled in rates at the end of the period Financing deficit surplus Total of financing deficit surplus Description of fines and administrative penalties imposed during the period Disclosure of the fiscal status of the investment entity Disclosure of food and hospitality expenses Policy of food and hospitality expenses Food and hospitality expenses Disclosure of foreign currency exchange rate results Policy of conversion and recognition of exchange rate differences in respect of goodwill and fair value adjustment for the acquisition of a foreign business Policy of the method of conversion and the processing of exchange rate differences related to business activities abroad for the balance sheet Policy of principles for the conversion and recognition of exchange rate differences in respect of goodwill and the fair value adjustment for the acquisition of a foreign business activity for the balance sheet Policy of the conversion and recognition of exchange differences in respect of goodwill and the fair value adjustment for the acquisition of a foreign business for the profit and loss account Policy of foreign currency translation and the processing of foreign currency translation differences with regard to business activities abroad Policy of the method of conversion and the processing of exchange rate differences relating to business activities abroad for the profit and loss account Basis of conversion and processing of exchange rate differences relating to foreign currency transactions for the balance sheet Policy of translation of foreign exchange differences for the balance sheet Description of the reason for changing the functional currency Description of the reason for changing the presentation currency Description of the reason why the presentation currency is different from the functional currency Description of the reason why the presentation currency is different from the local currency Description of closing rates of the presentation currency compared to the functional currency in a situation of hyperinflation Policy of translation for hyperinflation in business operations abroad Description of the effect of changes in exchange rates after balance sheet date on monetary items in foreign currencies or on the financial statement Policy of foreign currency translation and the processing of foreign currency translation differences in foreign currency transactions Policy of translation of foreign exchange differences for the income statement Description of the influence on capital and result if group part is included in the consolidation in accordance with the law of the foreign legal entity which is also the head of the group Foreword by the board of directors or the executive board Description of the form in which collateral is provided for the total of the debts Additions to foundation capital and reserves Additions Direct movement in foundation capital and reserves as a result of a change in accounting policies Direct movement as a result of a change in accounting policies Direct movement in foundation capital and reserves as a result of exchange differences Direct movement as a result of exchange differences Direct movement in foundation capital and reserves as a result of the reversal of impairments Direct movement as a result of the reversal of impairments Direct movement in foundation capital and reserves as a result of impairments Direct movement in foundation capital and reserves as a result of impairments Direct movement as a result of impairments Direct movement in foundation capital and reserves as a result of prior period errors Direct movement as a result of prior period errors Disclosure of foundation capital and reserves Other movements of foundation capital and reserves Other movements Movement of foundation capital and reserves Total of movements during the period Movement during the period Policy of foundation capital and reserves Release from foundation capital and reserves Release from foundation capital and reserves Release Transfers of foundation capital and reserves Transfers Withdrawals of foundation capital and reserves Withdrawals of foundation capital and reserves Withdrawals Foundation capital and reserves Total of foundation capital and reserves Foundation capital and reserves at the beginning of the period Foundation capital and reserves at the end of the period Disclosure of foundation capital Policy of foundation capital Foundation capital Capital Description of which part of the equity is freely disposable and which part has been recorded in any way Disclosure of the frequency of valuation of assets which are accepted on a regulated market or other market for financial instruments Description of the functional currency Description of the funding policy Disclosure of Fundraising expenses Fundraising expenses percentage Policy of Fundraising expenses Fundraising expenses Fundraising expenses Total of recruitment costs Total of recruitment costs Disclosure of funds Policy of funds Funds Total of funds Description of the further classification per asset category as stated in the financial statements Disclosure of future profit margins of the acquired portfolio Policy of future profit margins of the acquired portfolio Future profit margins of the acquired portfolio Amount of the shortfall if the insurer does not meet the Minimum Capital Requirement or significantly does not meet the Solvency Capital Requirement Additions to the general banking risks reserve Movement of the general banking risks reserve Total of movements during the period Release of the general banking risks reserve Release of the general banking risks reserve Disclosure of general expenses Policy of general expenses General expenses Disclosure of general and other reserves Policy of general and other reserves General and other reserves Disclosure of general reserve Policy of general reserve General reserve Description of the effect of not applying going concern basis on reserves and funds and results Description of the facts and circumstances that led to not being a going concern Description of the liquidation plan when not a going concern Description of the methods and significant assumptions used for the valuation on liquidation basis and related significant uncertainties when not a going concern Description of the nature and amount of significant positive and negative changes in value when not a going concern Description of the nature and amount of income and expenses recorded on the balance sheet until the date of settlement when not a going concern Accumulated amortization and impairment of goodwill Accumulated amortization and impairment of goodwill at the beginning of the period Accumulated amortization and impairment of goodwill at the end of the period Additions to goodwill Additions Adjustments in goodwill due to later identified assets and liabilities and associated changes in value Adjustments in goodwill due to later identified assets and liabilities and associated changes in value Adjustments due to later identified assets and liabilities and associated changes in value Amortisation period of goodwill used Amortisation of goodwill Amortisation Gross value of goodwill Gross value Gross value at the beginning of the period Gross value at the end of the period Impairment of goodwill Impairment Description of the line item in the income statement where the amortisation of positive goodwill is justified Line item in the income statement where the amortisation is recognised Movement of goodwill during the period Movement during the period Other changes in book value of goodwill Other movements Description of the depreciation method that is applied if non-linearly depreciated and the reason why this method is more appropriate. Reason and factors that played a significant part in determining that the amortisation term of goodwill is more than 20 years Description of tax effect of amortisation of goodwill Write-off of goodwill due to disposals Write-offs due to disposals Description of governance developments Disclosure of other government contributions and subsidies Policy of other government contributions and subsidies Other government contributions and subsidies Total of other government contributions and subsidies Disclosure of government levies Method of processing of government levies Granted interest rates discounts Description of the grounds for the decision of the Dutch Central Bank to that effect if specific parameters for the calculation of insurance technical risk modules have been imposed on the insurer by the Dutch Central Bank Disclosure of guarantee contracts Disclosure of the investments of guarantee contracts in an investment trust Policy of guarantee contracts Guarantee contracts Disclosure of guaranteed equity Guaranteed equity Hedge relationship, cumulative change in fair value effective part Hedge relationship, cumulative change in fair value ineffective part, cumulative amount charged to income statement Hedge relationship, cumulative change in fair value ineffective part Description of the hedging of investment risks and subsequent positions Disclosure of historical cost information when the report is prepared on fair value basis Disclosure of housing facilities in exploitation Policy of housing facilities in exploitation Housing facilities in exploitation Description of how control / supervision of compliance with the investment statute takes place Description of human rights in relation to activities of the organisation, its suppliers, customers and relations Impact of taxes Description of a cashflow generating unit for which the impairment or reversal of impairment is reported Disclosure of impairment of non-current assets Impairment of non-current assets Total of impairment of non-current assets Total of impairment of non-current assets Policy of impairment of non-current assets Disclosure of reversal of impairment of non-current assets Policy of reversal of impairment of non-current assets Reversal of impairment of non-current assets Total of reversal of impairment of non-current assets Reversal of impairment Notification of the amount received from reversal of impairments of non-current assets justified in the income statement and line items where these are recorded in Impairment of non-current assets Total of impairment of non-current assets Total of impairment of non-current assets Description of the amount of impairment or reversal of impairment for a cashflow generating unit per category of assets or reporting segment Description of the amount of impairment or reversal of impairment for a cashflow generating unit per reporting segment Disclosure of impairment of financial assets Items of the profit and loss account that include the impairment of financial assets Impairment of financial assets recorded direct in equity Impairment of financial assets recorded direct in equity Notification of the amount of impairment of financial assets directly accounted for in equity during the financial year Impairment of financial assets recorded in income statement Impairment of financial assets recorded in income statement Impairment Notification of the amount of impairment of financial assets accounted in the income statement and the line items where these are recorded Disclosure of reversal of impairment of financial assets Items of the profit and loss account that include the reversal of impairment of financial assets Reversal of impairment of financial assets recorded direct in equity Notification of the amount received from reversal of impairments of financial assets recorded directly in equity during the financial year Reversal of impairment of financial assets recorded in income statement Reversal of impairment Reversal of impairment Notification of the amount received from reversal of impairments of financial assets accounted for in the income statement and line items where these are recorded Description of the nature of the individual asset for which an impairment loss, or reversal thereof, is recognized which is material Description of the segment to be reported to which it is individually active, for which an impairment loss, or reversal thereof, is justified which is material Disclosure of impairment of intangible assets Items of the profit and loss account that include the impairment of intangible assets Policy of impairment of intangible assets Impairment of intangible assets recorded direct in equity Impairment of intangible assets recorded direct in equity Notification of the amount of impairment of financial assets directly accounted for in equity during the financial year Impairment of intangible assets recorded in income statement Impairment of intangible assets recorded in income statement Impairment Notification of the amount of impairmet of intangible assets accounted for in the income statment and line items where these are recorded Disclosure of reversal of impairment of intangible assets Items of the profit and loss account that include the reversal of impairment of intangible assets Reversal of impairment of intangible assets recorded direct in equity Notification of the amount received from reversal of impairments of intangible assets recorded directly in equity during the financial year Reversal of impairment of intangible assets recorded in income statement Reversal of impairment Reversal of impairment Notification of the amount received from reversal of impairments of intangible assets accounted for in the income statement and the line items where these are recorded Reversal of impairment of intangible assets Reversal of impairment of intangible assets Reversal of impairment Notification of the amount received from reversal of impairmets of intangible assets accounted for in the income statment and line items where these are recorded Impairment of intangible assets Impairment Disclosure of impairment of investment properties Policy of impairment of investment properties Impairment of investment properties recorded direct in equity Impairment of investment properties recorded direct in equity Impairment of investment properties recorded in income statement Impairment of investment properties recorded in income statement Impairment Disclosure of reversal of impairment of investment properties Reversal of impairment of investment properties recorded direct in equity Reversal of impairment of investment properties recorded in income statement Reversal of impairment of investment properties Impairment of investment properties Disclosure of impairment of property, plant and equipment Items of the profit and loss account that include the impairment of property, plant and equipment Policy of impairment of property, plant and equipment Impairment of property, plant and equipment recorded direct in equity Impairment of property, plant and equipment recorded direct in equity Notification of the amount of impairment of property, plant and equipment directly accounted for in equity during the financial year Impairment of property, plant and equipment recorded in income statement Impairment of property, plant and equipment recorded in income statement Impairment Notification of the amount of impairments of property, plant and equipment acounted for in the income statement and line items where these are recorded Disclosure of reversal of impairment of property, plant and equipment Items of the profit and loss account that include the reversal of impairment of tangible assets Reversal of impairment of property, plant and equipment recorded direct in equity Notification of the amount received from reversal of impairments of property, plant and equipment recorded directly in equity during the financial year Reversal of impairment of property, plant and equipment recorded in income statement Reversal of impairment Notification of the amount received from reversal of impairments of property, plant and equipment accounted for in the income statement and the line items where these are recorded Reversal of impairment of property, plant and equipment Reversal of impairment of property, plant and equipment Reversal of impairment Notification of the amount received from reversal of impairments of property, plant and equipment accounted for in the income statement and the line items where these are recorded Impairment of property, plant and equipment Impairment Disclosure of impairment of securities Policy of impairment of securities Impairment of securities recorded direct in equity Impairment of securities recorded direct in equity Impairment of securities recorded in income statement Impairment of securities recorded in income statement Impairment Disclosure of reversal of impairment of securities Policy of reversal of impairment of securities Reversal of impairment of securities recorded direct in equity Reversal of impairment of securities recorded in income statement Reversal of impairment Reversal of impairment of securities Impairment of securities Description of the implementation agreement Description of the state of affairs of the policy Description of the amount included in the main categories of revenue related to the exchange of goods or services Description of the most important findings and conclusions of the evaluation and proposed measures Description of important policy conditions of insurance contracts Description of improvements in the risk management system of the legal entity have been or have been made In control statement of the administrator Disclosure of income availability contributions Education Policy of income availability contributions Education Income availability contributions Education Availability contributions Education Disclosure of income availability contributions Healthcare Policy of income availability contributions Healthcare Income availability contributions Healthcare Availability contributions Healthcare Disclosure of income from other care services Policy of income from other care services Income from other care services Other care services Income of business activities that are not continued sustainably Income from unsustainable business operations Other income and expenses received and paid, on balance Other income and expenses received and paid, on balance Other income and expenses received and paid, on balance Disclosure of income from business Policy of income from business Income from business Total of income from business Disclosure of provision of information on the benefits of care services, youth assistance and social support Policy of revenues from care services, youth assistance and social support Revenues from care services, youth assistance and social support Total of revenues from care services, youth assistance and social support Disclosure of income from collections Income from collections Disclosure of income from contributions Income from contributions Disclosure of income from donations and gifts Income from donations and gifts Disclosure of income from Education and Research (O&O) Expenses of faculty tasks relating to income from Education and Research (O&O) Income from Education and Research (O&O) of satellite organisations of the medical cluster Income from Education and Research (O&O) Disclosure of income from equity funds Policy of income from equity funds Income from equity funds Disclosure of gained income Policy of gained income Gained income Total of gained income Disclosure of income from individuals Disclosure of Income from individuals other Policy of Income from individuals other Income from individuals other Policy of Income from individuals Income from individuals Total of income from individuals Disclosure of income from inheritances Income from inheritances Disclosure of income from non-commercial activities Policy of income from non-commercial activities Income from non-commercial activities Income from other fundraising organizations Disclosure of income from other nonprofit organizations Policy of income from other nonprofit organizations Income from other nonprofit organizations Disclosure of income from own lotteries and contests Income from own lotteries and contests Disclosure of income from realised prices gains and losses Disclosure of realised price gains and losses Income from realised price gains and losses Realised price gains and losses Disclosure of income from affiliated nonprofit organizations Policy of income from affiliated nonprofit organizations Income from affiliated nonprofit organizations Income from sale of goods Disclosure of income from sponsoring Income from sponsoring Disclosure of income from subcontracting Policy of income from subcontracting Income from subcontracting Disclosure of income from unrealised price gains and losses Disclosure of unrealised price gains and losses Income from unrealised price gains and losses Unrealised price gains and losses Disclosure of income from gifts and from fundraising Policy of income from gifts and from fundraising Income and gifts from fundraising Disclosure of income health insurance act Policy of income health insurance act Income health insurance act Income of affiliated (international) organizations Disclosure of income legal budget for acceptable costs Wlz Policy of income legal budget for acceptable costs Wlz Income legal budget for acceptable costs Wlz Legal budget for acceptable costs Wlz Legal budget for acceptable costs Disclosure of income Ministry of Security and Justice Policy of income Ministry of Security and Justice Income Ministry of Securitty and Justice Income of shares Disclosure of income on third party contracts Policy of income on third party contracts Income on third party contracts Total of income on third party contracts Disclosure of other income from financial assets and securities Policy of other income from financial assets and securities Other income from financial assets and securities Received other income Received other income Disclosure of income from product/service delivery Gross income from product/service delivery Policy of income from product/service delivery Disclosure of income from delivery of products or services that cannot be valued reliably Income from product/service delivery Total of income from product/service delivery Revenues Policy of income recognition Disclosure of income from sale of goods Description of income with a special purpose Disclosure of income with a special purpose Income with a special purpose Description of income spent on objectives Income from subscription fees Applicable tax rate Income tax expense from current financial year Taxes on the profit or loss upon discontinuation of activities that are not continued on a lasting basis Effective tax rate Taxes involved in the settlement of the loan capital items of a business activities that are not continued sustainably Taxes relating to the sale of assets of a business activity that is not continued on a sustainable basis Tax burden on the result of activities that are not continued in a sustainable manner Income tax expense from previous financial years Deferred taxes Description of the significant deviations in the applicable tax rate ten proposals from previous period Disclosure of fiscal adjustments for prior years relating to income tax Disclosure of fiscal adjustments for prior years Disclosure of fiscal unity for income tax Description of the amount of losses recognized for the carry-forward of loss, which are not capitalized as deferred tax assets Description of applicable forward loss compensation and temporary differences of income tax Description of the impact on the tax payable by the legal person in the following financial year of proposed / declared dividends that are not recognized as a liability Description of the nature and extent of the potential tax burden or income resulting from any distributions to shareholders Income tax paid (from financing activities) Income tax paid Income tax paid Income tax paid (from financing activities) Income tax paid (from investing activities) Income tax paid Income tax paid Income tax paid (from investing activities) Income tax paid (from operating activities) Income tax paid (from operating activities) Income tax paid Income tax paid Income tax paid (from operating activities) Explanation of the reason why determining the amount of the potential tax expense or income as a result of any distributions to shareholders is wholly or partly impracticable Income tax received (from financing activities) Income tax received Income tax received (from financing activities) Income tax received (from investing activities) Income tax received Income tax received (from investing activities) Income tax received (from operating activities) Income tax received Income tax received (from operating activities) Disclosure of income tax recognised directly in equity Description of the amounts of the temporary differences to the extent that these amounts are not included in the valuation of the deferred tax liability Description of the temporary differences in investments in group companies, foreign non-autonomous units, participating interests and joint ventures for which no deferred tax liabilities are recognized Income from ticket sales Disclosure of income WMO Policy of income WMO Income WMO Disclosure of income Youth law Policy of income Youth law Income Youth law Description of how the risk management system is incorperated into the organisation Incorporation and emission expenses recorded in the income statement Incorporation and emission expenses Incorporation and emission expenses Increase (decrease) in bankers not immediately payable Movement of bankers not immediately payable Increase (decrease) in cash and cash equivalents Total of increase (decrease) of cash and cash equivalents Change in cash and cash equivalents Increase (decrease) in cash and cash equivalents Increase (decrease) in credits Movement of credits Increase (decrease) in funds entrusted Movement of funds entrusted Adjustments for change Fund for general banking risks Increase (decrease) in current government securities Movement of current government securities Decrease (increase) in inventories Changes in inventories Increase (decrease) in liabilities Adjustment for other changes in accruals Decrease (increase) in other receivables Changes in other receivables Decrease (increase) in receivables Mutation claims Increase (decrease) in trade payables Changes in trade payables Decrease (increase) in trade receivables Changes in trade receivables Increase (decrease) in current liabilities Movement current liabilities Increase (decrease) in non-current liabilities Movement non-current liabilities Increase (decrease) in operational activities Total of increase (decrease) in operational activities Movement of operational activities Increase (decrease) in other operational activities Movement of other operational activities Increase (decrease) in provisions Mutation provisions Changes in provisions Increase (decrease) current receivables Movement current receivables Increase (decrease) non-current receivables Movement non-current receivables Increase (decrease) in securities trading portfolio Movement of securities trading portfolio Increase in the zeroed negative vvp Increase in the zeroed negative vvp Increase technical provisions own account Increase technical provisions own account Description of backlogs in indexation Description of the indexation policy Indication of which directors are considered non-independent by the board of directors Description of the indication of the nature of dependence and of the factors in case of non-fixed interest rate Indication of the nature of the non-DAEB activities An indication of the chosen treatment method for income from estates Disclosure of indirect investment properties on behalf of participants Policy of indirect investment properties on behalf of participants Indirect investment properties on behalf of participants Indirect investment properties Disclosure of indirect investment properties on behalf of pension fund Policy of indirect investment properties on behalf of pension fund Indirect investment properties on behalf of pension fund Indirect investment properties Disclosure of indirect investment results Disclosure of indirect investment results on behalf of participants Policy of indirect investments results on behalf of participants Indirect investment results on behalf of participants Disclosure of indirect investment results on behalf of pension fund Policy of indirect investment results on behalf of pension fund Indirect investment results on behalf of pension fund Policy of indirect investments results Indirect investment results Total of indirect investment results Information about the financial policy Information about governance Description of information on relevant line items in the financial statements Other information in the management report Other information Description return and costs securities financing transactions Description of the profit sharing, guarantees and options included in insurance contracts and the amount recorded in equity Description of the profit sharing, guarantees and options included in insurance contracts and the amount recorded in the technical provisions Disclosure of the profit sharing, guarantees and options included in insurance contracts Current cost of intangible assets Current cost Current cost of intangible assets at the beginning of the period Current cost of intangible assets at the end of the period Additions of intangible assets through acquisitions Additions through acquisitions End of the range of the amortisation rate of intangible assets End of range Start of the range of the amortisation rate of intangible assets Start of the range of the amortisation rate Amortisation rate of intangible assets Amortisation rate Description of the commitments relating to acquisitions of intangible assets Commitments relating to acquisitions of intangible assets Historical cost price of intangible assets Historical cost price Historical cost price at the beginning of the period Historical cost price at the end of the period Description of the costs of development of intangible fixed assets charged to the result for the financial year External utilization and divestitures of intangible fixed assets External utilization and divestitures External utilization and divestitures Economic life (in months) of intangible assets Economic life (in months) Exchange differences of intangible assets Exchange differences Description of fully amortised intangible assets still in use Indication if intangible assets are held for exploitation, held for direct use relating to the objective or held as an investment Description of the impairment of intangible assets Description of reversal of the impairment of intangible assets Description of the line item in the income statement where the amortisation of intangible assets is recognised Line item in the income statement where the amortisation is recognised Book value of an individual intangible asset of importance Book value Description of an individual intangible asset of importance Description Remaining life of an individual intangible asset of importance (in months) Remaining life Internally generated intangible assets Internally generated Intangible assets with limited ownership Other movements in intangible assets Other movements Description of intangible assets of which the legal entity does not have legal ownership Description of intangible assets not recorded on the balance sheet Disclosure of other intangible assets Policy of intangible assets other Other intangible assets Intangible assets put up as collateral for debts Description of the reason and factors that played a significant part in determining that the amortisation term of intangible assets exceeds twenty years Disclosure of intangible assets recognised at prices significantly different from market prices Interest, dividends and rent received Interest expense on other liabilities Dividend presented as Interest expense on other liabilities Disclosure of interest expenses Interest expenses included in the lease term in case of financial leasing Interest expenses included in the lease term in case of financial leasing Policy of interest expenses Interest expenses Interest expenses Disclosure of interest income Policy of interest income Interest income Interest and other investment expenses paid Interest and other investment expenses paid Interest paid (from financing activities) Interest paid Interest paid Expenses from Interest paid (from financing activities) Interest paid (from investing activities) Interest paid Interest paid Expenses due to interest activated as fixed assets Interest paid (from operating activities) Interest paid (from operating activities) Interest paid Interest paid Expenses due to interest (for operational activities) Interest (term structure) Interest received (from financing activities) Interest received Interest received (from financing activities) Interest received (from investing activities) Interest received Interest received (from operating activities) Interest received Interest received (from operating activities) Interest repricing date Description of the risks associated with interests in investment pools Description of the nature of interests in investment pools Description of the related risks of interests in investment entities Description of the nature of interests in investment entities Description of internal developments that have a potential impact on the social aspects of enterprise Description of the internal organisational structure and staffing Disclosure of international partnerships Description of the nature and extent of expenses paid by the international partnerships spent on fundraising Disclosure of remittances and subsidies paid to international partnerships Remittances and subsidies paid to international partnerships Disclosure of intramural real estate in exploitation Policy of intramural real estate in exploitation Intramural real estate in exploitation Disclosure of intrinsic value per participation right disclosure Invalidity Disclosure of cost method of inventories Disclosure of cost method Cost price of inventories classified as expense in the income statement Indication if inventories are held for exploitation, held for direct use relating to the objective or held as an investment Description of inventories of which the legal entity does not have legal ownership Absence of legal ownership Description of inventories pledged as collateral for debts Description of commitments to purchase or sell inventories Description of the book value of inventories that are valued at lower realizable value Policy of the realisable value of inventories Book value of inventories that are valued at lower realisable value Disclosure of inventories recognised at prices significantly different from market prices Description of circumstances for reversal of write down of inventories Reversal of write down of inventories Reversal of write down Write down of inventories Write down Amount of write down and of loss of inventories in the income statement Description of an investment Description of the availability of the most recent annual report and the most recent management report of the other investment entity Description of the composition of the investment portfolio of the other investment entity Description of the agreements concerning costs and benefits allocation between the investment entity and other investment entity Description of the investment policy of the other investment entity Description of the investment results of the other investment entity Disclosure of the investment of twenty percent or more of the capital in an investment entity Net asset value of the interest in the other investment entity Description of the relative interest in the other investment entity Relative interest in the other investment entity Relative interest in the other investment entity at the beginning of the period Relative interest in the other investment entity at the end of the period Description of the supervision of the other investment entity Other investment Description of the conducted investment policy Description of the way the investment policy takes into account the environment, climate, human rights and social relations Description of the composition of the investment portfolio Description of the execution of the valuation of the investment portfolio by internal or external valuers Description of which part of the value of the investment portfolio was valued in which financial year Description of the principles of the valuation of the investment portfolio Sum of revaluations of investment properties Accumulated revaluations Sum of revaluations of investment properties at the beginning of the period Sum of revaluations of investment properties at the end of the period Current cost of investment property Current cost Current cost of investment property at the beginning of the period Current cost of investment property at the end of the period Initial additions of investment properties Initial additions Subsequent expenditures of investment properties Subsequent expenditures Additions of investment properties through head of acquisitions Additions through acquisitions Additions to investment properties Additions Total of additions Additions Profits or losses as a result of changes in fair value of investment properties Result from changes in fair value Description of the circumstances in which rights of use in immovable property that are classed as operating leases by a lessee are accounted for as an investment property Notification of or under which circumstances rights of use of real estate that are classified as operating leases by a lessee are accounted for as an investment property Description of contractual obligations to purchase, construct or develop investment properties or for repairs, maintenance or enhancements of investment properties Historical cost price of investment properties Historical cost price Historical cost price at the beginning of the period Historical cost price at the end of the period Description of criteria to distinguish investment properties from real estate for own use End of the range of the depreciation rate of investment properties End of the range of the depreciation rate Start of the range of the depreciation rate of investment properties Start of the range of the depreciation rate Depreciation rate of investment properties Depreciation rate Depreciation of investment properties Depreciation of investment properties Depreciation Depreciation Disclosure of investment properties Depreciation on disposals of investment properties Depreciation on disposals Description of the disposal of investment properties not valued at fair value Disposals of investment properties Disposals of investment properties Disposals Disposals Economic life (in months) of investment properties Economic life (in months) Conversion differences of financial statements of foreign entities Exchange differences Description of restrictions with regard to the applicability of investment properties, as well as the extent of this restriction Description of limitations with regard to the collectability of revenues, as well as the extent of this restriction Description of the fair value of investment properties based on the estimate of an independent and qualified expert Disclosure of fair value of investment properties Description of the extent to which the fair value of investment property is not based on a valuation by an independent and expert appraiser Fair value of investment properties Description of the impairment of investment properties Description of reversal of impairment of investment properties Reversal of impairment of investment properties Reversal of impairment Impairment of investment properties Impairment of investment properties Impairment Impairment Disclosure of investment properties in development Disclosure of investment properties under development behalf of participants Disclosure of investment properties under development Policy of investment properties under development on behalf of participants Policy of investment properties under development Investment properties under development on behalf of participants Investment properties under development Disclosure of investment properties under development behalf of pension fund Disclosure of investment properties under development Policy of investment properties under development on behalf of pension fund Policy of investment properties under development Investment properties under development on behalf of pension fund Investment properties under development Policy of investment properties in development Investment properties in development Disclosure of investment properties in exploitation Policy of investment properties in exploitation Description of considerations for the determination of the interest rate used in determining the fair value of investment properties Description of the interest rate used to determine the fair value of investment properties Description of the methods, relevant assumptions used in determining the fair value of (use rights in) real estate investments Movement during the period of investment properties Total of movements during the period Movement during the period Other movements of investment properties Other movements Disclosure of investment properties on behalf of participants Disclosure of investment properties Policy of investment properties on behalf of participants Policy of investment properties Investment properties on behalf of participants Total of investment properties on behalf of participants Investment properties Disclosure of investment properties on behalf of pension fund Disclosure of investment properties Policy of investment properties on behalf of pension fund Policy of investment properties Investment properties on behalf of pension fund Total of investment properties on behalf of pension fund Investment properties Disclosure of investment properties on behalf of premium pension institutions Disclosure of investment properties Policy of investment properties on behalf of premium pension institutions Policy of investment properties Investment properties on behalf of premium pension institutions Investment properties Description of an overview showing whether the assumptions in determining the fair value of investment properties are supported by market data or if they are based on other factors Description if own development costs, other indirect costs and interest is taken into account in the valuation of the investment properties under construction Policy of investment properties Description of the reason why the fair value of investment properties cannot be quantified and the likely range of the fair value Transfers to and from inventories and real estate for personal use Transfers Description of movement of investment properties valued at historic costs as the fair value cannot be quantified Investment properties Total of investment properties Investment properties at the beginning of the period Investment properties at the end of the period Description of the investment property Investment result from investment entity Total of investment result from investment entity Investment result on behalf of participants Changes in value of the investment result per unit Changes in value per unit Disclosure of investment result per unit Expenses of the investment result per unit Expenses per unit Income of the investment result per unit Income per unit Investment result per unit Total of investment result per unit Disclosure of investment results of derivatives Policy of investment results of derivatives Investments results of derivatives Disclosure of investment results Disclosure of investment results from dividends Policy of investments results from dividends Investment results from dividends Disclosure of investment results of fixed income securities Policy of investment results of fixed income securities Investment results of fixed income securities Disclosure of investment results from interest income Policy of investments results from interest income Investment results from interest income Disclosure of investment results of investment properties Policy of investment results of investment properties Investment results of investment properties Disclosure of other investment results Policy of other investment results Other investment results Investment results of net-pension arrangements Disclosure of investment results on behalf of participants Policy of investments results on behalf of participants Disclosure of investment results on behalf of participants Investment results on behalf of participants Investment results on behalf of participants Total of investment results on behalf of participants Disclosure of investment results on behalf of pension fund Policy of investment results on behalf of pension fund Investment results on behalf of pension fund Total of investment results on behalf of pension fund Disclosure of investment results on behalf of premium pension institutions Policy of investment results on behalf of premium pension institutions Investment results on behalf of premium pension institutions Policy of investments results Disclosure of investment results from rental income Policy of investments results from rental income Investment results from rental income Disclosure of investment results of shares Policy of investment results of shares Investment results of shares Investments results Total of investments results Description of investment risks of alternative investments Description of investment risks Acquisitions of investments of which 85 percent or more is invested in another investment entity Acquisitions of investments Total of acquisitions of investments Acquisitions of investments Total of acquisitions of investments Additions to investments Disclosure of investments in bonds Disclosure of investments in bonds, mortgages, debentures and other fixed or variable interest securities on behalf of participants Disclosure of investments in bonds, mortgages, debentures and other fixed or variable interest securities Policy of investments in bonds, mortgages, debentures and other fixed or variable interest securities on behalf of participants Policy of investments in bonds, mortgages, debentures and other fixed or variable interest securities Investments in bonds, mortgages, debentures and other fixed or variable interest securities on behalf of participants Investments in bonds, mortgages, debentures and other fixed or variable interest securities Disclosure of investments in bonds, mortgages, debentures and other fixed or variable interest securities on behalf of pension fund Disclosure of investments in bonds, mortgages, debentures and other fixed or variable interest securities Policy of investments in bonds, mortgages, debentures and other fixed or variable interest securities on behalf of pension fund Policy of investments in bonds, mortgages, debentures and other fixed or variable interest securities Investments in bonds, mortgages, debentures and other fixed or variable interest securities on behalf of pension fund Investments in bonds, mortgages, debentures and other fixed or variable interest securities Disclosure of investments in other bonds Policy of investments in other bonds Investments in other bonds Policy of investments in bonds Investments in bonds Book value of investments Book value of investments at the beginning of the period Book value of investments at the end of the period Disclosure of investments in deposits and such on behalf of participants Disclosure of investments in deposits and such Policy of investments in deposits and such on behalf of participants Policy of investments in deposits and such Investments in deposits and such on behalf of participants Investments in deposits and such Disclosure of investments in deposits and such on behalf of pension fund Disclosure of investments in deposits and such Policy of investments in deposits and such on behalf of pension fund Policy of investments in deposits and such Investments in deposits and such on behalf of pension fund Investments in deposits and such Disclosure of investments in derivatives on behalf of participants Disclosure of investments in derivatives Policy of investments in derivatives on behalf of participants Policy of investments in derivatives Investments in derivatives on behalf of participants Investments in derivatives Disclosure of investments in derivatives on behalf of pension fund Disclosure of investments in derivatives Policy of investments in derivatives on behalf of pension fund Policy of investments in derivatives Investments in derivatives on behalf of pension fund Investments in derivatives Disclosure of investments in derivatives on behalf of premium pension institutions Disclosure of investments in derivatives Policy of investments in derivatives on behalf of premium pension institutions Policy of investments in derivatives Investments in derivatives on behalf of premium pension institutions Investments in derivatives Disposals of investments Disposals of investments Disposals Divestitures of investments Divestitures of investments Divestitures Disclosure of investments in Dutch state bonds Policy of investments in Dutch state bonds Investments in Dutch state bonds Description of the applied calculation method and frequency when determining the fair value of investments Description of the applied taxation method and frequency when determining the fair value of investments Disclosure of the method of determining the fair value of the investments Disclosure of investments in fixed income securities on behalf of participants Disclosure of investments in fixed income securities Policy of investments in fixed income securities on behalf of participants Policy of investments in fixed income securities Investments in fixed income securities on behalf of participants Total of investments in fixed income securities on behalf of participants Investments in fixed income securities Disclosure of investments in fixed income securities on behalf of pension fund Disclosure of investments in fixed income securities Policy of investments in fixed income securities on behalf of pension fund Policy of investments in fixed income securities Investments in fixed income securities on behalf of pension fund Total of investments in fixed income securities on behalf of pension fund Investments in fixed income securities Disclosure of investments in fixed income securities on behalf of premium pension institutions Disclosure of investments in fixed income securities Policy of investments in fixed income securities on behalf of premium pension institutions Policy of investments in fixed income securities Investments in fixed income securities on behalf of premium pension institutions Investments in fixed income securities Disclosure of investments in listed and non-listed investment institutions that invest in fixed income securities on behalf of participants Disclosure of investments in listed and non-listed investment institutions that invest in fixed income securities Policy of investments in listed and non-listed investment institutions that invest in fixed income securities on behalf of participants Policy of investments in listed and non-listed investment institutions that invest in fixed income securities Investments in listed and unlisted investment entities that invest in fixed-income securities for risk participants Disclosure of investments in listed and non-listed investment institutions that invest in fixed income securities on behalf of pension fund Policy of investments in listed and non-listed investment institutions that invest in fixed income securities on behalf of pension fund Investments in listed and unlisted investment institutions that invest in fixed-income securities for pension fund risk Disclosure of investments in listed and non-listed investment institutions that invest in shares on behalf of participants Disclosure of investments in listed and non-listed investment institutions that invest in shares Policy of investments in listed and non-listed investment institutions that invest in shares on behalf of participants Policy of investments in listed and non-listed investment institutions that invest in shares Investments in listed and unlisted investment entities that invest in shares for risk participants Disclosure of investments in listed and non-listed investment institutions that invest in shares on behalf of pension fund Policy of investments in listed and non-listed investment institutions that invest in shares on behalf of pension fund Investments in listed and unlisted investment entities that invest in shares at the risk of the pension fund Investments (liability) Investments Disclosure of loaned investments on behalf of participants Market value of investments Market value of investments at the beginning of the period Market value of investments at the end of the period Disclosure of investments in mortgage loans Policy of investments in mortgage loans Investments in mortgage loans Movement of investments Total of movements during the period Other movements of investments Total of other movements of investments Movement of investments Total of movements during the period Investments net-pension arrangements Disclosure of investments on behalf of participants Policy of investments on behalf of participants Investments on behalf of participants Total of investments on behalf of participants Investments on behalf of participants at the beginning of the period Investments on behalf of participants at the end of the period Disclosure of investments on behalf of pension fund Disclosure of the extent in which balances or future cash flows relating to investments on behalf of pension fund are hedged by derivatives Disclosure of the extend in which investments on behalf of pension fund are lent out Disclosure of investments on behalf of pension fund invested in contributing organisations Policy of investments on behalf of pension fund Investments on behalf of pension fund Total of investments on behalf of pension fund Investments on behalf of pension fund at the beginning of the period Investments on behalf of pension fund at the end of the period Disclosure of investments on behalf of premium pension institutions Policy of investments on behalf of premium pension institutions Investments on behalf of premium pension institutions Total of investments on behalf of premium pension institutions Investments on behalf of premium pension institutions at the beginning of the period Investments on behalf of premium pension institutions at the end of the period Disclosure of investments in options and warrants Policy of investments in options and warrants Investments in options and warrants Disclosure of other investments Disclosure of the extent of other investments on behalf of risk participants Policy of the extent of other investments on behalf of risk participants The extent of other investments on behalf of risk participants Disclosure of investments in other investment entities of eighty five percent or more of the capital Disclosure of the level of expenses of the other investment entity related to the average net asset value of the other investment entity, stating the costs that have been left out of consideration Disclosure of the nature of other investments on behalf of risk participants Policy of the nature of other investments on behalf of risk participants The nature of other investments on behalf of risk participants Disclosure of other investments on behalf of participants Disclosure of other investments Policy of other investments on behalf of participants Policy of other investments Other investments on behalf of participants Total of other investments on behalf of participants Other investments Other investments on behalf of participants at the beginning of the period Other investments on behalf of participants at the end of the period Disclosure of other investments on behalf of pension fund Disclosure of other investments Policy of other investments on behalf of pension fund Policy of other investments Other investments on behalf of pension fund Other investments Other investments on behalf of pension fund at the beginning of the period Other investments on behalf of pension fund at the end of the period Disclosure of other investments on behalf of premium pension institutions Disclosure of other investments Policy of other investments on behalf of premium pension institutions Policy of other investments Other investments on behalf of premium pension institutions Other investments Policy of other investments Other investments Disclosure of investments in precious metals Policy of investments in precious metals Investments in precious metals Price differences of investments 85 percent or more invested in another investment entity Price differences Price differences of investments Total of price differences of investments Price differences Price differences of investments Total of price differences of investments Price differences Disclosure of investments in private loans Policy of investments in private loans Investments in private loans Procurements of investments Disclosure of investments in real estate Disclosure of investments in real estate in the Netherlands Policy of investments in real estate in the Netherlands Investments in real estate in the Netherlands Disclosure of investments in other real estate Policy of investments in other real estate Investments in other real estate Policy of investments in real estate Investments in real estate Redemptions of investments Redemptions of investments Redemptions Description of the internal and external developments in investments and returns on investments Revaluations of investments 85 percent or more invested in another investment entity Revaluations Revaluations of investments Total of revaluations of investments Revaluations Revaluations of investments Total of revaluations of investments Revaluations Sales of investments 85 percent or more invested in another investment entity Sales Sales of investments Sales of investments Total of sales of investments Sales Sales of investments Sales of investments Total of sales of investments Total of sales of investments Sales Disclosure of separated investment deposits of collective agreements for risk of policyholders Policy of separated investment deposits of collective agreements for risk of policyholders Separated investment deposits of collective agreements for risk of policyholders Disclosure of investments in shares Disclosure of investments in listed shares on behalf of participants Disclosure of investments in listed shares Policy of investments in listed shares on behalf of participants Policy of investments in listed shares Investments in listed shares on behalf of participants Investments in listed shares Disclosure of investments in listed shares on behalf of pension fund Disclosure of investments in listed shares Policy of investments in listed shares on behalf of pension fund Policy of investments in listed shares Investments in listed shares on behalf of pension fund Investments in listed shares Disclosure of investments in non-listed shares on behalf of participants Disclosure of investments in non-listed shares Policy of investments in non-listed shares on behalf of participants Policy of investments in non-listed shares Investments in non-listed shares on behalf of participants Investments in non-listed shares Disclosure of investments in non-listed shares on behalf of pension fund Disclosure of investments in non-listed shares Policy of investments in non-listed shares on behalf of pension fund Policy of investments in non-listed shares Investments in non-listed shares on behalf of pension fund Investments in non-listed shares Disclosure of investments in shares on behalf of participants Disclosure of investments in shares Policy of investments in shares on behalf of participants Policy of investments in shares Investments in shares on behalf of participants Total of investments in shares on behalf of participants Investments in shares Disclosure of investments in shares on behalf of pension fund Disclosure of investments in shares Policy of investments in shares on behalf of pension fund Policy of investments in shares Investments in shares on behalf of pension fund Total of investments in shares on behalf of pension fund Investments in shares Disclosure of investments in shares on behalf of premium pension institutions Disclosure of investments in shares Policy of investments in shares on behalf of premium pension institutions Policy of investments in shares Investments in shares on behalf of premium pension institutions Investments in shares Policy of investments in shares Investments in shares Value developments of investments Description of the assets involved in the different types of SFTs and total return swaps Description of stakeholder engagement for the years 2021 to 2024 Balance items where cash equivalents that deviate from definition cash and cash equivalents are processed Description of the activities of the joint ventures Description of the administrative relations of the joint ventures Description of the composition of the board and the supervisory body of the joint ventures Disclosure of joint ventures Description of names and addresses of the other participants in the joint venture Description of the key elements of policies conducted Description key elements of recovery plan of the pension provider Disclosure of key figures Disclosure of key ratios Description reasons of the lack of the policy concerning the general environmental, social and personnel aspects Description of the lack of the policy concerning the fight against corruption and bribery Description of the lack of the policy concerning the respect of human rights Description of the explanation of the expected and actual differences in lag fault Description of the extent of the lag fault Policy of leases Disclosure of legacy income Policy of legacy income Legacy income Disclosure of unprocessed share of the loss of participation interests during the financial year Unprocessed share of the loss of participation interests during the financial year Description of the composition of the management of the legal entity Composition of the management Description of the composition of the management and supervisory board of the legal entity Composition of the management Description of the purpose of the legal entity Description of the purpose Description of the legal entity that is not a legal owner pursuant to Section 2:366(2) of the Dutch Civil Code Description of legal risks Additions to legal and statutory reserves Additions to legal and statutory reserves Withdrawals of legal and statutory reserves Lent out securities and raw materials as part of the total assets rate Disclosure of other current liabilities Policy of other current liabilities Other current liabilities Amount of secured current liabilities Total amount of secured current liabilities with business certainty Amount of secured liabilities Current liabilities to participations in which the legal entity can exercise significant influence Liabilities to participations in which the legal entity can exercise significant influence Disclosure of current liabilities relating to financing surplus Disclosure of liabilities relating to financing surplus Policy of current liabilities relating to financing surplus Policy of liabilities relating to financing surplus Current liabilities relating to financing surplus Liabilities relating to financing surplus Disclosure of liabilities from real estate sold subject to terms and conditions Policy of liabilities from real estate sold subject to terms and conditions Liabilities from real estate sold subject to terms and conditions Non-current debts acquired on takeover Debts acquired on takeover Non-current debts disposed of on disposal Debts disposed of on disposal Debts disposed of on disposal Exchange rate changes of non-current liabilities Exchange rate changes Description of the most important conditions with regard to the due and payable debts that become due and payable immediately or in the short term Imposition / amortization of non-current liabilities Imposition / amortization Interest rate of non-current liabilities Interest rate Non-current liabitilities with a maturity exceeding one year within five years Non-current liabitilities with a maturity within one year Other changes in value of non-current liabilities Other changes in value Movement of non-current liabilities during the period Total of movements during the period Movement during the period New financing of non-current liabilities New financing Repayments of non-current liabilities Repayments Repayments Amount of secured non-current liabilities Total amount of secured non-current liabilities with business certainty Amount of secured liabilities Non-current liabilities to participations in which the legal entity can exercise significant influence Liabilities to participations in which the legal entity can exercise significant influence Disclosure of other liabilities Policy of other liabilities Other liabilities Total of other liabilities Repayment date of non-current liabilities Repayment date Description of the aggregated level of analysis of the liability adequacy test Disclosure of liability adequacy test Description of the method used for adjusting the balance sheet value to the value from the liability adequacy test Description of the policies and methods of the liability adequacy test Description of the results of the liability adequacy test Description of the liability for the debts of others Disclosure of liable equity capital Liable equity capital Description of the changes of the agreements during the period if applicable; and the manner in which the concession agreement is classified Description of the licensing agreements Description of the licensing agreements Disclosure of licensing agreements Description of the most important conditions in the agreements concerning concessions that influence the size, the moment and the certainty of the future cash flows Description of the nature and extent of the obligations to transfer specific assets at the end of the concession period or the rights to receive these assets Description of the nature and extent of the options for extension or termination Description of the nature and extent of the rights to the use of specific assets Description of the nature and extent of service obligations or the rights to expected services Description of the nature and extent of other rights and obligations Description of the nature and extent of the obligations for the purchase or construction of property, plant and equipment Description of the main licensing agreements Other income statement line items that have no impact on receipts and payments Items of the profit and loss that do not affect revenue and expenses in the same period Other income statement line items with receipts and payments not considered as operating activities Items of the profit and loss whose revenues and expenses are not considered as to be operational activities Liquid investments current Cash and cash equivalents Current loans, advances and guarantees on behalf of managing directors Non-current loans, advances and guarantees on behalf of managing directors Loans, advances and guarantees on behalf of managing directors Total of loans, advances and guarantees on behalf of managing directors Current loans, advances and guarantees on behalf of supervisory directors Non-current loans, advances and guarantees on behalf of supervisory directors Loans, advances and guarantees on behalf of supervisory directors Total of loans, advances and guarantees on behalf of supervisory directors Description of the location of the actual activities Disclosure of lotteries income Policy of lotteries income Lotteries income IncomeFromLotteries Description of whether the macro management tool levy has been established Description of whether a liability or provision is included in the balance sheet Amount constituting the basis for the levy under the macro-control instrument A description of the extent of any discretionary powers and a description of how or not use has been made Description of the size of the compensation schemes recognized in the income statement during the financial year Description of the extent of the risks that the insurance company runs in its business operations Description of the main assumptions for determining the market value Description of the key assumptions regarding the provision for major maintenance, if necessary to provide adequate information Description of the main characteristics of pension arrangements Description of the significant deviations in the effective tax rate from the previous period Description of the main differences between those parameters if the insurer uses company-specific parameters for the calculation of its Solvency Capital Requirement Description of the main discussion topics with the external auditor Description of significant events that occurred in the first six months of the relevant financial year Description of the key provisions of finance leases in the lessor's financial statements Description of the key provisions of operating leases in the lessor's financial statements Description of the main risk the respect of human rights concerning activities Description of the main risks in respect to the general environment, social and personnel aspects concerning activities Description of the main risks in respect to the fight against corruption and bribery Description of the main risks and uncertainties for the remaining six months Description of the main strategic, operational, compliance and reporting risks Description of the main topics on which the supervisory board has focused in the financial year and on which it will focus in the coming period Description of the main topics to the regulations of the commissions of the supervisory board Description of the main related party transactions of the half-yearly management report Description of the main uncertainties regarding the provision for major maintenance, if necessary to provide adequate information Disclosure of maintenance and energy expenses Policy of maintenance and energy expenses Maintenance and energy expenses Disclosure of costs of management and accounting Policy of costs of management and accounting Costs of management and accounting Costs of management and accounting Description of the expectations of management relating to the main developments Description of the expectations of management relating to the main developments of changes in the reserves and provisions Description of the expectations of management relating to the main developments of contract activities Description of the expectations of management relating to the main developments of housing policies Description of the expectations of management relating to the main developments of income and expenses Description of the expectations of management relating to the main developments of other planned investments and projects Disclosure of management expenses Management expenses and interest expenses paid Management expenses and interest expenses paid Disclosure of other management expenses Policy of other management expenses Policy of management expenses Management expenses Management expenses Total of management expenses Disclosure of management fees Policy of management fees Management fees Description of the important intentions of management and decisions made in the new fiscal year, including the financial translation of these intentions and decisions Information on management and supervisory body (if present) Description of the extent to which the market value of the properties in operation is based on a valuation by an independent expert Disclosure of marketing costs Policy of marketing costs Marketing costs Description of matching risk Description of material changes to the adopted remuneration policy Description of the material consequences for deferred taxes of significant changes in tax rates and legislation that are announced or introduced after the balance sheet date Explanation of the material impact on the deferred taxes of significant changes in tax rate and legislation Impairment loss of individual asset of material importance Description of the main events or circumstances that led to recognition of impairment loss of material importance Description of material individual items Declaration by the management that the report includes the material strategic, operational, compliance and reporting risks and uncertainties, insofar as relevant to the expectation of the continuity of the company for a period of twelve months after preparation of the report. Description of matters with political or social impact Description of measures aimed at respect for privacy and the local environment Description of the measures taken and performance achieved by performance indicators Description of measures aimed at influencing the culture, the behaviour and the motivation of the employees Description of measures to prevent bribery and corruption Disclosure of member contributions Policy of member contributions Member contributions Contributions Disclosure of member payments (including advance payments) Policy of member payments (including advance payments) Member payments (including advance payments) Disclosure of the size of the merger costs Description of the merged or acquired party relating to mergers and acquisitions Description of the merged or acquired party Effective date of the merger or acquisition Disclosure of mergers and acquisitions Description of operations of business activities that are not continued sustainably Description of mergers, acquisitions, divestitures and outsourcing in the context of corporate social responsibility Description of the method of processing of the merger or acquisition Name of the merged or acquired entity relating to mergers and acquisitions Name of the merged of acquired entity Percentage of the voting shares obtained in the merger or acquisition Percentage of the voting shares obtained Description of mergers and acquisitions realized after the balance sheet date Description of the processing method if an action for a specific purpose yields more than is required for that purpose or if a gift fails to be used Description of how the current cost of property, plant and equipment is determined when measured at current value Description of the manner in which the realizable value of property, plant and equipment is determined when measured at current value Description of how the value in use of property, plant and equipment has been determined when measured at current value Description of the method in which the measures taken regarding the internal audit function have been implemented by means of the alternative measures taken Description of how the applicable tax rate has been calculated Description of how the effective tax rate has been calculated Method of calculation of the key figures that cannot be derived directly from the financial statements Method of calculation of the key ratios that cannot be derived directly from the financial statements Description of how remuneration and benefits have been calculated Description of the method on how the audit commission is compliant with Verordening (EU) Nr.537/2014 Description of how the various components of the provision for claims or benefits are included in the claims run-off statement Description of the method of determination in respect to the EU Taxonomy aligned economical activities Description of how it is determined whether there are ineligible economic activities aligned with the EU taxonomy Description of the way in which a valuation complex has been determined Description of the method for determining the market value Description of the method, the frequency and process of the evaluation Description of the conflict of interest measures Description of the applied processing method of a received compensation Description of the processing method of a special-purpose fund from which the destination is lost Description of the method used to determine the revaluation reserve Description of the prepared balance sheet and the principles and methods used for the technical provisions and other liabilities Disclosure of method of valuation of assets which are accepted on a regulated market or other market for financial instruments Description of the methods used for fundraising Disclosure of liability relating to minimum return guarantee Policy of liability relating to minimum return guarantee Liability relating to minimum return guarantee Conditions for the conversion of loans redeemable in cash or in shares Description of monitoring and evaluating the achievement of results and the realization of improvement Mortality Description of the most important activities of the entity Description of the main conditions of financial instruments that are classified as equity based on the legal form Movement current borrowings Movement non-current borrowings Movement current debts Movement in deposits of reinsurers Movements investments for the risk of policyholders Movement of treasury shares Movement treasury shares Other movements of own shares Disclosure of multi-annual budgets Disclosure of multi-annual overview Mutations Total of mutations Mutations Total of mutations Description of the name of the outsourced party that manages the investment entity description Description of the name of the party to whom the custody van the assets are outsourced Description of the names of the directors of a company, association, cooperative, mutual trust or foundation, if they have a special statutory right of control in the legal person Description of how many natural persons working under its responsibility receive a total annual remuneration of 1 million euros or more, as well as the business unit for which they mainly perform work Description of the nature of the provision if the costs for major maintenance is processed through the provision major maintenance Description of the nature of the dependency of the supervisory board Description of the nature and extent of the restructuring costs that are taken into account when determining the fair value of assets, provisions and liabilities at the time of acquisition of a participation Description of the nature of significant performance obligations Description of the nature of the compensation received under the NOW scheme Description of the nature of received government subsidues Description of the nature of the instrument if the presentation in the balance sheet of a financial instrument deviates from the economic reality of the instrument Description of the nature of the instrument if the presentation in the balance sheet of a financial instrument deviates from the legal form of the instrument Description of the nature of the applicable specific compensation arrangements Accumulated amortisation of negative goodwill Accumulated amortisation Accumulated amortisation at the beginning of the period Accumulated amortisation at the end of the period Additions to negative goodwill Additions Additions Adjustments in negative goodwill due to later identified assets and liabilities and associated changes in value Adjustments due to later identified assets and liabilities and associated changes in value Disclosure of negative goodwill Description of the period in which the expected future losses, before negative goodwill is passed, will occur (RJ 216.406d) Period (in months) of release to benefit the income statement Description of the amount of negative goodwill relating to expected future losses Gross value of negative goodwill Gross value Gross value at the beginning of the period Gross value at the end of the period Description of the income statement line item where income relating to negative goodwill is recognised Movement of negative goodwill during the period Total of movements during the period Movement during the period Other changes in book value of negative goodwill Other movements Policy of negative goodwill Description of the period where negative goodwill is recognised in income statement Negative goodwill released to the profit and loss account that does not relate to expected future losses and expenses Release to benefit the income statement that is not future related Negative goodwill released to the profit and loss account relating to expected future losses and expenses Release to benefit the income statement Write-off of negative goodwill due to disposals Write-offs due to disposals Negative goodwill Negative goodwill at the beginning of the period Negative goodwill at the end of the period Disclosure of negative interest expenses Disclosure of negative interest income Negative revaluations of puttable financial instruments Negative revaluations of puttable financial instruments Disclosure of net asset value of investment entity Disclosure of net asset value 85 percent or more invested in another investment entity Net asset value of the investment entity 85 percent or more invested in another investment entity Net asset value of the investment entity Net asset value per participation right 85 percent or more invested in another investment entity Net asset value per participation right Netto-active Net cash flows Total of net cash flows Disclosure of net investment income Net investment income Description of the agreements and characteristics of net-pension arrangements Description of the recognition of net-pension arrangements in the financial statements Net result (cashflow) Net result (cashflow) Net result Net result Disclosure of net result Net proceeds from the sale of assets for which the legal person has entered into a binding agreement for a business activities that are not continued sustainably Net proceeds from the sale of debt for which the legal person has entered into a binding agreement for a business activities that are not continued sustainably Policy of net result Net result Total of net result Disclosure of net revenue by category Description of what is meant by a (net) turnover concept New borrowings Description of whether the half-yearly financial statements have been audited or reviewed Nominal value of deferred tax liabilities and receivables that are measured at present value and that arose during the reporting period Nominal value of the remaining liabilities and receivables at fair value at the balance sheet date Description of non-financial performance indicators that are significant for specific activities Non-financial statement Description of the nature and extent of the other activities Basis for processing the compensation received under the NOW scheme Number of active participants Book value of the number of homes for sale expected to be sold within one year Expected realisable value of the number of homes for sale expected to be sold within one year Number of homes for sale expected to be sold within one year Number of homes for sale Number of inactive participants Number of keepers securities description Number of non-EER-students who are financially supported by the student support fund Number of other participants Number of other participants at the beginning of the period Number of other participants at the end of the period Description of the developments in the number of participants Number of participants Total of number of participants Number of pensioners Number of students who act as board members of study or student associations recognized by the institution or in student participation who are financially supported by the student support fund Provision of information regarding the number of pupils / MBO students / VAVO students / HO students Disclosure of number of students Number of students with regard to exceptional performance in the field of sport or culture who are financially supported by the student support fund Numbers of higher education students: applications Numbers of higher education students: awards Total of number of students who are financially supported by the student support fund Number of students in situations of force majeure who are financially supported by the student support fund Number of other students who are financially supported by the student support fund Total of number of other students who are financially supported by the student support fund Number of students with regard to outgoing scholarships who are financially supported by the student support fund Number of pupils / students Number of students Description of the number of such shares each of the holders holds a special statutory right of control in the legal person Number of shares related to the number of rights granted by the company during the financial year Indication that a numerical indication of the influence of a change in accounting policy on one or more subsequent financial years cannot be determined Numerical reconciliation with items in the financial statements of the key figures that cannot be derived directly from the financial statements Numerical reconciliation with items in the financial statements of the key ratios that cannot be derived directly from the financial statements Obligations on behalf of risk participants Obligations on behalf of risk participants at the beginning of the period Obligations on behalf of risk participants at the end of the period Movement of obligations on behalf of participants during the period Total of movements during the period Movement during the period Disclosure of contingent assets Disclosure of each conditional income and expense Description of the nature of the contingent assets is not given because it is not feasible Description of the estimate of financial impact of off-balance sheet liabilities Estimate of financial impact of off-balance sheet liabilities Description of the off-balance sheet liabilities relating to the fiscal unity Fiscal unity Description of off-balance sheet commitments relating to guarantees Description of obligations from guarantees Description of the indication of uncertainties regarding the amount or moment of outflow relating to off-balance sheet liabilities Description of the nature of off-balance sheet liabilities Description of off-balance sheet commitments relating to payments to obtain usage rights Off-balance sheet commitments relating to payments to obtain usage rights with a maturity exceeding five years Payments to obtain usage rights with a maturity exceeding five years Off-balance sheet commitments relating to payments to obtain usage rights with a maturity exceeding one year Payments to obtain usage rights with a maturity exceeding one year Off-balance sheet liabilities relating to payments to obtain usage rights Total of off-balance sheet liabilities relating to payments to obtain usage rights Payments to obtain usage rights Off-balance sheet liabilities relating to payments to obtain usage rights at the beginning of the period Off-balance sheet liabilities relating to payments to obtain usage rights at the end of the period Description of the possibility of any reimbursement relating to off-balance sheet liabilities Description of off-balance sheet liabilities relating to purchase commitments Purchase commitments Description of off-balance sheet commitments relating to liability claims Liability claim Interest rate discounts granted for the financial year Disclosure of office related and general expenses Office related and general expenses Office related expenses Old age obligation Description of how the organisation deals with social aspects with regards to doing business Other operating expenses paid Other operating expenses paid Disclosure of operating expenses including depreciation Policy of operating expenses including depreciation Operating expenses including depreciation Disclosure of other income (including compensation for loaned person and rental property) Policy of other income (including compensation for loaned person and rental property) Other income (including compensation for loaned person and rental property) Other income Disclosure of other services (including 2nd - 4th flow of UMCs for research) Policy of other services (including 2nd - 4th flow of UMCs for research) Other services (including 2nd - 4th flow of UMCs for research) Other services Description of the average maturity of the operational lease commitments Average maturity of the commitments Description of the conditions of conditional lease payments Description of constraints stemming from lease agreements Disclosure of operating leases Expected minimum future sublease receipts to be received in respect of non (interim) cancellable subleases Future sub-lease receivables Total expected future sub-lease receivables of operating leases on balance sheet date Description of important conditions of operating leases Important conditions Lease payments from operating leases during the period Minimal lease payments during the period Minimal lease payments recorded in financial statement period Minimal lease payments of operating leases Total of minimal lease payments of operating leases Minimal lease payments Minimal lease payments of operating leases for lessors Total of minimal lease payments of operating leases for lessors Minimal lease payments of operating leases for lessors with a maturity exceeding five years Minimal lease payments of operating leases with a maturity exceeding five years Minimal lease payments with a maturity exceeding five years Minimal lease payments of operating leases for lessors with a maturity exceeding one year and within five years Minimal lease payments of operating leases with a maturity exceeding one year and within five years Minimal lease payments with a maturity exceeding one year and within five years Minimal lease payments of operational leases for lessors with a maturity within one year Minimal lease payments of operational leases with a maturity within one year Minimal lease payments with a maturity within one year Nominal value of minimal lease payments of operating leases Nominal value of minimal lease payments Description of the existence and content of renewal options, purchase options and escalation clauses Disclosure of payments of operating leases Lease and sublease payments processed in the period of financial statement Payments of operating leases during the period Total of payments of operating leases during the period Payments during the period Policy of operating leases Receipts from sub-lease payments on operating leases Receipts from sub-lease payments on operating leases Receipts from sub-lease payments Receipts from sub-lease payments recorded in the financial statement period Operating result (used in cash flow statement) Operating result Balance of income and expenses Description of the operation and compliance of the by the board prepared code of conduct Operational expenses Note on operating leased assets in loans Description of operational risks, arising as a result of imperfections in business processes Description of operational risks Description of the operational risk arising from external events Description of the operational risk, arising as a result of failing people Description of the operational risk arising as a result of processes Description of operational risk arising from systems Other fiscal reserves Other information concerning risk management Other information regarding quality control Other information relating to automation Other information relating to internal and external information supply Other information relating to internal control with regards to processes and procedures Other information relating to marketing and distribution Disclosure of other liabilites and accrued liabilities Policy of other liabilites and accrued liabilities Other liabilites and accrued liabilities Total of other liabilities and accrued liabilities: breakdown Disclosure of other liabilities on behalf of risk participants Policy of other liabilities on behalf of risk participants Other liabilities on behalf of risk participants Other notes to the income expenses statement Other notes to the income statement Amount of other changes due to changes in the provision for insurance liabilities Other Disclosure of other reimbursements Policy of other reimbursements Other reimbursements Other reimbursements Other shares one time expenses participants investment entity Gross other technical expenses for own account Reinsured part of the other technical expenses for own account Paid other technical expenses Paid other technical expenses Gross other technical income for own account Reinsured part of other technical income for own account Required interest addition vvp own account Required interest addition vvp own account Received other technical income Received other technical income Description of the outsourcing of the administration of the investment entity Description of the liability when outsourcing of the administration of the investment entity Description of the outsourcing of the custody of assets of the investment entity Description of the liability when outsourcing of the custody of assets of the investment entity Description of the policy relating to outsourcing Description of the overview when a supervisory board member is appointed and will resign Package cost development and package change (natura) Description paid, unpaid rewards to the staff Disclosure of parking facilities in exploitation Policy of parking facilities in exploitation Parking facilities in exploitation Description of application and reason for application consolidation exemption for venture capital investment company Disclosure of outstanding participation rights Outstanding participation rights 85 percent or more invested in another investment entity Outstanding participation rights Disclosure of participations (classified as equity) Disclosure of participations Policy of participations (classified as equity) Policy of participations Participations (classified as equity) Participations Disclosure of participations (classified as liability) Disclosure of participations Policy of participations (classified as liability) Policy of participations Participations (classified as liability) Participations Description of the party benefiting from the surcharges and discounts of own shares Disclosure of patient and residents dependent expenses Policy of patient and residents dependent expenses Patient and residents dependent expenses Disclosure of payables to central cash and health care insurance fund Policy of payables to central cash health care insurance fund Payables to central cash and health care insurance fund Total of payables to central cash and health care insurance fund Disclosure of payables to central cash Policy of payables to central cash Payables to central cash Disclosure of current payables to members of the cooperative Disclosure of payables to members of the cooperative Policy of current payables to members of the cooperative Policy of payables to members of the cooperative Current payables to members of the cooperative Payables to members of the cooperative Disclosure of payables to members of the cooperative Disclosure of non-current payables to members of the cooperative Disclosure of payables to members of the cooperative Policy of non-current payables to members of the cooperative Policy of payables to members of the cooperative Policy of payables to members of the cooperative Payables to members of the cooperative Total of payables to members of the cooperative Disclosure of payables relating to derivatives Policy of payables relating to derivatives Payables relating to derivatives Disclosure of payables relating to employee benefits Policy of payables relating to employee benefits Payables relating to employee benefits Obligation relating to employee benefits Disclosure of payables to healthcare providers Policy of payables to healthcare providers Payables to healthcare providers Disclosure of other significant currency positions and financial instruments that are not intended to cover the price or foreign exchange risk Disclosure of other significant currency positions and financial instruments 85 percent or more invested in another investment entity that are not intended to cover the price or foreign exchange risk Other significant currency positions and financial instruments that are not intended to cover the price or foreign exchange risk 85 percent or more invested in another investment entity Other significant currency positions and financial instruments that are not intended to cover the price or foreign exchange risk Disclosure of payables from hedging transactions concerning the price and exchange rate risks related to the investments Disclosure of payables from hedging transactions concerning the price and exchange rate risks related to the investments 85 percent or more invested in another investment entity Payables from hedging transactions concerning the price and exchange rate risks related to the investments 85 percent or more invested in another investment entity Payables from hedging transactions concerning the price and exchange rate risks related to the investments Disclosure of debts due to holiday pay Policy of debts due to holiday pay Debts due to holiday pay Disclosure of payables relating to income tax Payables relating to income tax Tax payables owed for the current or prior reporting periods Disclosure of payables relating to pension payments Policy of payables relating to pension payments Payables relating to pension payments Disclosure of payables from transactions relating to financial instruments Payables from transactions with financial derivatives Disclosure of payables relating to VPL arrangements received not yet utilised Policy of payables relating to VPL arrangements received not yet utilised Disclosure of debts due to vacation days Policy of debts due to vacation days Debts due to vacation days Disclosure of payables relating to value transfers Policy of payables relating to value transfers Payables relating to value transfers Payments to acquire or redeem entity's shares Payments to acquire or redeem entity's shares Expenditure capitalized development costs Expenditure capitalized development costs Payments to employees Payments to employees Payments relating to installments under operational leasing Payments relating to installments under operational leasing Payments arising from the investment in non-short-term highly liquid securities Payments arising from the investment in non-short-term highly liquid securities Payments relating to the management of investments Payments relating to the management of investments Other payments from investment activities Other payments from investment activities Other payments Payments relating to the production process Payments relating to the production process Expenses in connection with the provision and repayment of long-term loans granted by the legal entity Expenses in connection with the provision and repayment of long-term loans granted by the legal entity Payments relating to the purchase of goods and services Payments relating to the purchase of goods and services Payments relating to the purchase of treasury shares Payments relating to the purchase of treasury shares Payments relating to the reclaiming of value added tax Payments relating to the reclaiming of value added tax Payments related to self made tangible assets Payments related to self made tangible assets Disclosure of pension administrative expenses charged to employers Pension administrative expenses charged to employers Disclosure of pension administration expenses Pension administration expenses paid Pension administration expenses paid Policy of pension administration expenses Pension administration expenses Pension administration expenses Description of the pension agreement Description of the pension arrangement and regulation Policy of pension arrangements Disclosure of pension benefits Pension benefits paid Pension benefits paid Policy of pension benefits Pension benefits Pension benefits Description of the effect on the income statement relating to on balance sheet pension claims Description of the considerations for inclusion of pension claims Additional pension expenses Pension expenses Pension investments Description of the pension management expenses Disclosure of pension management expenses Pension management expenses per active participant Pension management expenses per pensioner Policy of pension management expenses Pension management expenses Description of the actuarial risks relating to the pension obligations Description of the duration of the pension obligations Description of the indexation risk relating to the pension obligations Description of the maturity ratios of the pension obligations Description of the annual accrual of the premium relating to the pension obligations Description of the premium percentages and policies relating to the pension obligations Pension premiums Disclosure of pension receivables Policy of pension receivables Pension receivables accruals and receivables Pension receivables Pension receivable other receivables Pension receivables Pension receivables Description of the internal and external developments in pensions Description of revenues of each major revenue category as a percentage of total revenues Disclosure of performance fees of administrator or investment advisor as a percentage of the average net asset value Performance fees of administrator or investment advisor as a percentage of the average net asset value Disclosure of performance fees Policy of performance fees Performance fees Disclosure of personal interest in investments of managing and supervisory directors Amount of personal interest in investments of managing directors and former managing directors Personal control interest in investments of managing directors and former managing directors Amount of personal interest in investments of managing and supervisory directors and former managing and supervisory directors Total of amount of personal interest in investments of managing and supervisory directors and former managing and supervisory directors Personal control interest in investments of managing and supervisory directors and former managing and supervisory directors Total of personal control interest in investments of managing and supervisory directors and former managing and supervisory directors Amount of personal interest in investments of supervisory directors and former supervisory directors Personal control interest in investments of supervisory directors and former supervisory directors Other personnel related expenses Description of planned expenditure on fundraising and supporting functions Description of the planned expenditure on the objective Information regarding the Arrangement of pledging and borrowing Maturities of the pledging and borrowing arrangements Policy and implementation of the pledging and borrowing arrangement Types and extent of the pledging and borrowing arrangements Information regarding the policies on controlling the payments due to termination of the employment Information regarding the policies on handling complaints Description of the principles with regard to the way in which the distribution is determined Description of the prepared balance sheet and the principles and methods used for the technical provisions and other liabilities Description of the policy regarding communication with stakeholders Description of the policy concerning the general environmental, social and personnel aspects Description of the policy regarding the extent and purpose of the reserves and funds Description of the policy concerning the fight against corruption and bribery Description of the profit-sharing in favor of policyholders by product group Description of the policy concerning the respect of human rights Description of policy regarding investments Description of the related risks of the investment policy pursued Description of policy regarding non restricted equity size and function Description of the policy regarding the prospective use of reserves and funds Description of the policy regarding the ratio of expenses to income of fundraising Description of the manager's remuneration policy Description of the policies of valuation if the costs for major maintenance is processed through the provision major maintenance Disclosure of portfolios with a negative premium provision Positive revaluations of puttable financial instruments Description of the possible agreements that impacts the composition and decision process of the supervisory board Description allfälliger häufiger Abwesenheiten eines oder mehrerer Aufsichtsräte Disclosure of preferred dividend deducted from result for the year Discolsure of preferred dividend deducted from result for the year Disclosure of preferred dividend Disclosure of preferred dividend Policy of preferred dividend deducted from result for the year Policy of preferred dividend Preferred dividend deducted from result for the year Preferred dividend deducted from result for the year Preferred dividend Preferred dividend Description of the composition of the actual premium Actual premium Disclosure of premium contributions Disclosure of premium contributions from employers and employees Policy of premium contributions from employers and employees Pension fund risk premium contributions Premium contributions of net-pension arrangements Disclosure of premium contributions on behalf of participants Policy of premium contributions on behalf of participants Premium contributions on behalf of participants Premium contributions on behalf of participants Policy of premium contributions Premium contributions received Premium contributions Total of premium contributions Description of the composition of the cost-effective premiums Cost-effective premium Description of the reasons for differences in the premiums Description of the premium policy Smoothed premium Premiums own account Premiums received Description of the presence and operation of the internal risk management system Description of the method of presentation of deferred tax assets that is expected to be deductible within 12 months after the balance sheet date Description of the manner in which financial fixed assets are presented that fall due within 12 months after the balance sheet date Description of the extent to which the principles differ from the policy value compared to the market value Principles and policies for the allocation of assets, liabilities, income, expenses and cash flows to the DAEB branch Principles and policies for the allocation of assets, liabilities, income, expenses and cash flows to the non-DAEB branch Description of the principles for determining the policy value Description of the effect of the correction of the material error Disclosure of prior period errors Description of nature and extent of the material error Proceeds from cash resources obtained at acquisition Proceeds from debenture loans Proceeds from mortgage loans Proceeds from other short and long term loans Proceeds from private loans Proceeds from borrowings Proceeds from debenture loans, private loans, mortgage loans and other short and long term loans Proceeds from debt securities Proceeds from a sale and financial leaseback transaction Proceeds from subordinated borrowings Proceeds from issuing shares Share capital issue Proceeds from re(placement) shares Proceeds from sales of group companies Receipts from the disposal of participating interests in group companies Revenue from the sale of intangible assets, unless accounted for as net sales Proceeds from sales of intangible assets Proceeds from sales of investment portfolio Proceeds of sales of investments in group companies and participating interests Investments in group companies and participating interests Proceeds of sales of land and buildings and of shares Investments in land and buildings and of shares Proceeds of sales of other investments Other investments Proceeds from sales of non-consolidated entities Proceeds from sales of other financial assets Disposals of financial assets Proceeds from sales of other participating interests Proceeds from sales of property, plant and equipment Total of proceeds from sales of property, plant and equipment Tangible fixed assets Description of the process of 'succession planning' Description of the wages and salaries processed in the income statement Disclosure of processing of cost deductions of premium pension institutions Description of how these compensation schemes have been accounted for Policy of processing of repair and maintenance costs Description of the way in which the surcharges and discounts of treasury shares are accounted for Description of product responsibility Description of the products and services of the pension fund Description of the item of the profit and loss account in which that amount is accounted for Gross profit-sharing and discounts Profit sharing and discount paid Profit sharing and discount paid Reinsured part of profit sharing and discounts Description of the progression of the interest rate in case of inconsistent interest rate for remaining maturity Current cost of tangible fixed assets Current cost Current cost of tangible fixed assets at the beginning of the period Current cost of tangible fixed assets at the end of the period Acquisitions of property, plant and equipment Acquisitions Disclosure of the carrying amount of decommissioned property, plant and equipment held for disposal Book value of inactive property, plant and equipment that are held for sale Inactive property, plant and equipment that are held for sale Disclosure of book value of temporarily inactive property, plant and equipment Book value of temporarily inactive property, plant and equipment Temporarily inactive property, plant and equipment Disclosure of carrying amount of property, plant and equipment that the legal entity establishes and expects that it is no longer possible to determine the current cost price reliably Carrying amount of property, plant and equipment that the legal entity establishes and expects that it is no longer possible to determine the current cost price reliably Historical cost price of property, plant and equipment Historical cost price Historical cost price respectively current value of property, plant and equipment Historical cost price at the beginning of the period Historical cost price at the end of the period Description of the extent to which the current value of property, plant and equipment is directly derived from observable prices or recent market-based transactions or is estimated using other valuation techniques Description of the involvement of an independent appraiser Description of the methods and significant assumptions used for estimation of the current value of property plant and equipment Description of the method of processing of realized revaluations Description of the year of most recently applied revaluations End of the range of the depreciation rate End of the range of the depreciation rate of property, plant and equipment Start of the range of the depreciation rate of property, plant and equipment Start of the range of the depreciation rate Depreciation rate of property, plant and equipment Depreciation rate External utilization and divestitures of property, plant and equipment External utilization and divestitures External utilization and divestitures Usefull life (in months) of property, plant and equipment Usefull life (in months) Exchange differences of property, plant and equipment Exchange differences Differences in conversion of foreign currencies of property, plant and equipment Disclosure of finance lease of property, plant and equipment Disclosure of finance lease Disclosure of gross book value of fully depreciated property, plant and equipment that are still in use Gross book value of fully depreciated property, plant and equipment that are still in use Fully depreciated property, plant and equipment that are still in use Indication if property, plant and equipment is held for exploitation, held for direct use relating to the objective or held as an investment Description of the impairment of property, plant and equipment Description of reversal of the impairment of property, plant and equipment Description of the existence and nature of restrictions on ownership of tangible fixed assets Description of the market value of property, plant and equipment if this deviates significantly from the book value Description of the nature and extent of other important movements of property, plant and equipment Description of property, plant and equipment of which the legal entity does not have legal ownership Description of payments included in the book value of construction in progress Description of non-settled capital commitments of tangible fixed assets Description of property, plant and equipment serving as collateral for commitments Disclosure of property, plant and equipment recognised at prices significantly different from market prices Description of third party compensation for property, plant and equipment that has been impaired, lost or abandoned Description of the expected costs of repair of property, plant and equipment Cost price of the additions to property, plant and equipment recognised directly in the statement of income and expense due to special circumstances Description of the special circumstances surrounding and method of processing of additions to property, plant and equipment recognised directly in the statement of income and expense Description of the valuation of property, plant and equipment is carried out by internal or external appraisers Disclosure of provision actuarial health insurance Policy of provision actuarial health insurance Provision actuarial health insurance Balance sheet provision for insurance liabilities Balance sheet provision for insurance liabilities at the end of the period Provision for insurance liabilities (vvp) Provision for insurance liabilities (vvp) at the beginning of the period Provision for insurance liabilities (vvp) at the end of the period Disclosure of provision for obligations due to illness or disability Policy of provision for obligations due to illness or disability Provision for obligations due to illness or disability Disclosure of provision for disposal obligations Policy of provision for disposal obligations Provision for disposal obligations Disclosure of provision for employee benefits Provision for employee benefits Disclosure of environmental provision Policy of environmental provision Environmental provision Disclosure of provision for aging population Policy of provision for aging population Provision for aging population Provision for longevity risk Provision for movement to be recorded for significant collective insurance contracts Disclosure of provision for insurance of disability risks Policy of provision for insurance of disability risks Provision for insurance of disability risks Provisions for the insurance premiums overdue, due to the damage history of the legal entity Disclosures about provision for insurance for illness or disability Policy of provision for insurance of sickness or incapacity for work Provision for insurance of illness or disability Disclosure of provision for jubilee benefits Policy of provision for jubilee benefits Provision for jubilee benefits Disclosure of provision for legal proceedings Policy of provision for legal proceedings Provision for legal proceedings Disclosure of provision for major maintenance Policy of provision for major maintenance Provision for major maintenance Disclosure of provision for liabilities for risk participants Policy provision on behalf of risk participants Provision on behalf of risk participants Disclosure of provision for onerous contracts Policy of provision for onerous contracts Provision for onerous contracts Provision participating interests Provision participating interests Disclosure of provision relating to participating interest Policy of provision relating to participating interest Provision participating interests Description of the actuarial assumptions used for the provision for pension obligations Description of other important actuarial assumptions Description of obligations per balance sheet date that have pension provisions Description of the discount rate Description of the method used for determining the interest addition to the provision for pension obligations Provision for pension obligations net-pension arrangements Disclosure of provision pension obligations on behalf of participants Policy of provision for pension obligations on behalf of participants Provision for pension obligations on behalf of participants Total of provision for pension obligations on behalf of participants Provision for pension obligations on behalf of participants at the beginning of the period Provision for pension obligations on behalf of participants at the end of the period Description of the applied actuarial assumptions for the provision pension obligations on behalf of pension fund Description of the applied assumptions for the provision pension obligations on behalf of pension fund Description of the extent in which indexation is taken into account in the different pension arrangements of the provision pension obligations on behalf of pension fund Description of the indexation clauses of different pension arrangements in the provision pension obligations on behalf of pension fund Description of the nature of the different pension arrangements in the provision pension obligations on behalf of pension fund Disclosure of provision for pension obligations on behalf of pension fund Description of the extent in which an insured partner is taken into account in the provision pension obligations on behalf of pension fund Description of the extent in which the pension accrual of disabled workers are taken into account in the provision pension obligations on behalf of pension fund Description of the method of indexation of the provision pension obligations on behalf of pension fund Description of the market rate used in the provision pension obligations on behalf of pension fund Description of the method of determining the market rate for the provision pension obligations on behalf of pension fund Description of the motivation for the market rate used in the provision pension obligations on behalf of pension fund if different from interest rate term structure published by DNB Description of the nature and extent of the transferred insurance and investment risks in the provision pension obligations on behalf of pension fund Policy of provision for pension obligations on behalf of pension fund Disclosure of provision pension obligations on behalf of pension fund relating to active participants Provision pension obligations on behalf of pension fund relating to active participants Disclosure of provision pension obligations on behalf of pension fund relating to inactive participants Provision pension obligations on behalf of pension fund relating to inactive participants Disclosure of provision pension obligations on behalf of pension fund relating to other participants Provision pension obligations on behalf of pension fund relating to other participants Disclosure of provision pension obligations on behalf of pension fund relating to pensioners Provision pension obligations on behalf of pension fund relating to pensioners Description of the surcharge of pension disbursement expenses in the provision pension obligations on behalf of pension fund Provision for pension obligations on behalf of pension fund Total of provision for pension obligations on behalf of pension fund Provision for pension obligations on behalf of pension fund at the beginning of the period Provision for pension obligations on behalf of pension fund at the end of the period Description of the survival rate Description of the valuation methods of the provision for pension obligations Description of the valuation methods per balance sheet date of the provision for pension Disclosure of provision for repair costs Policy of provision for repair costs Provision for repair costs Disclosure of restructuring provision Policy of restructuring provision Restructuring provision Revisions of decision for profit sharing of provisions Revisions of decision for profit sharing Disclosure of provisions relating to share based payments Policy of share-based payment provision Provisions relating to share based payments Disclosure of warranty provision Policy of warranty provision Warranty provision Additions to provisions charged against the income statement Additions charged against the income statement Other additions to provisions Other additions Additions to provisions through revaluation reserve Additions through revaluation reserve Newly formed provisions Total of newly formed provisions Additions Grants Changes of provisions due to exchange rate differences Exchange differences Exchange differences Provisions with a maturity exceeding five years Maturity exceeding five years Provisions with an expected maturity within one year Maturity within one year Movement of provisions Total of movements during the period Movement Not used figures released Not used figures released Release Release Reversal of additions to provisions through revaluation reserve Reversal of additions through revaluation reserve Expenses charged against provisions Expenses charged against provisions Usage Usage Other withdrawals of provisions Other withdrawals Withdrawals from provisions due to profit sharing allocated to technical provisions Profit sharing allocated to technical provisions Withdrawals of provisions Total of withdrawals Total of withdrawals Withdrawals Yielded interest of provisions and changes in discount rate Disclosure of communication expenses Disclosure of publicity expenses Policy of publicity expenses Publicity expenses Purchase of group companies Purchase of group companies Acquisition of participating interests in group companies Purchase of intangible assets Purchase of intangible assets Purchase of investment portfolio Investments in group companies and participating interests Investments in group companies and participating interests Purchase of investments in group companies and participating interests Purchase of investments in group companies and participating interests Investments in land and buildings and in shares Investments in land and buildings and in shares Purchase of investments in land and buildings and in shares Purchase of investments in land and buildings and in shares Other investments Other investments Purchase of other investments Purchase of other investments Purchase of investments Purchase of investments Purchase and procurement of investments Expenses for the purchase of land, buildings, machinery, concessions and participations Expenses for the purchase of land, buildings, machinery, concessions and participations Purchase of non-consolidated entities Purchase of non-consolidated entities Purchase of participating interests and partnerships Purchase of participating interests and partnerships Purchase of other financial assets Purchase of other financial assets Investment in financial assets Purchase of other participating interests Property, plant and equipment Property, plant and equipment Purchase of property, plant and equipment Purchase of property, plant and equipment Total of purchase of property, plant and equipment Total of purchase of property, plant and equipment Description of the purchase of treasury shares by non-listed organisations in which the investment entity has a controlling interest Disclosure of purchase value of supplied products Policy of purchase value of supplied products Purchase value of delivered products Purchase value of delivered products Purchased investments payable Disclosure of expenses of purchases and acquisitions Disclosure of purchases and acquisitions Expenses of purchases and acquisitions Purchases and acquisitions Description of the quality of the activities and the effectiveness and efficiency of the activities Disclosure of investment properties under development Policy of concept property investment under development Investment properties under development Real estate under construction or in development intended for future operations Accumulated revaluations of real estate in exploitation Accumulated revaluations Accumulated revaluations at the beginning of the period Accumulated revaluations at the end of the period Initial additions of real estate in exploitation Initial additions Subsequent expenditures of real estate in exploitation Subsequent expenditures Investments from acquisitions / new consolidations Transfers of real estate under development Additions to real estate in exploitation Total of additions to real estate in exploitation Additions Description of the consequences of the difference in the policy value and market value of real estate in exploitation Description of the difference in the policy value and market value of real estate in exploitation Disclosure of investment properties in operation Decommissioning and disposals of real estate in operation Movement during the period of real estate in exploitation Movement during the period Other movements of real estate in exploitation Other movements Policy of real investment properties in operation Description of important contractual obligation commitments to purchase or develop immovable property for exploitation Description of the facts and circumstances which lead to reclassifications of real estate in exploitation Description of the impact on equity and results from reclassifications of real estate in exploitation Reclassifications of real estate in exploitation from and to real estate sold subject to terms and conditions Reclassification Result from changes in the market value of real estate in exploitation Result from changes in market value Transfers of real estate in exploitation from and to inventories or real estate for own use Transfers from and to inventories or real estate for own use Disclosure of the valuation of real estate in exploitation carried out by appraiser Investment properties in operation Investment properties in operation at the beginning of the period Investment properties in operation at the end of the period Disclosure of real estate sold subject to terms and conditions Number of transactions of real estate sold subject to terms and conditions Policy of real estate sold subject to terms and conditions Description of the conditions of the transactions of real estate sold subject to terms and conditions Real estate sold subject to terms and conditions Description of the method in which the realisable value of intangible fixed assets is determined on the basis of valuation at current value Description of whether the current value or the value in use is applicable Disclosure of realised losses on investments Policy of realised losses on investments Realised losses on investments Realised losses on investments Disclosure of realised profits on investments Policy of realised profits on investments Realised profits on investments Realised revaluation charged to equity Realised differences in value Description of the realization of the realised and unrealised results Description of the reason why the adjustment of the comparing figures is not possible, together with the nature if the adjustment did occur Description of the reasons for changes in the remuneration ratios compared to at least five previous financial years Description of the reason for the deviation if the claim run-off statistic is not directly related to the amount of the provision in the balance sheet and the claims expense in the profit and loss account Description of the circumstances underlying the designation or not of a company as a participating interest, deviating from the legal presumption that a capital interest of at least 20 percent constitutes a participating interest Description of the reason why a company to which the legal entity provides at least 20 percent of the issued capital is not considered a participation Description of the reason for transfers between equity and liabilities Description of the reasons for the lack of the diversity policy Description of the reason with regard to the way in which the distribution is determined Description of the reason why it is practically impossible to recalculate amounts in the multi-year overview over years preceding the previous reporting year according to the new system Description of the reason(s) why a possible reappointment is after eight years is of importance Description of the reason for the reclassification of a financial asset Description of the reason why a reliable calculation or estimate of the significance of the change in accounting policy for assets and results is not possible Description of the reason why the market value of the real estate in operation is not based on a valuation by an independent and relevant expert. Description of the reasons for the use of the legal power of adjustment or recovery, as well as a description of the financial effects thereof Description of the reason(s) for not (yet) establishing an internal audit service Receipts of customers Receipts from sale of goods and providing of services, including inning of debtors Receipts arising from the investment in non-short-term highly liquid securities Receipts relating to investments Other receipts from policyholders Other receipts from policyholders per balance Receipts relating to the payment of value added tax Receipts in connection with the provision and repayment of long-term loans granted by the legal entity Receipts from royalties, commissions and such Receivables and prepayments Total of receivables and prepayments Disclosure of receivables from central cash Policy of receivables from central cash Receivables from central cash Disclosure of current receivables from members of the cooperative Disclosure of receivables from members of the cooperative Policy of current receivables from members of the cooperative Policy of receivables from members of the cooperative Current receivables from members of the cooperative Receivables from members of the cooperative Disclosure of receivables from members of the cooperative Disclosure of non-current receivables from members of the cooperative Disclosure of receivables from members of the cooperative Policy of non-current receivables from members of the cooperative Policy of receivables from members of the cooperative Policy of receivables from members of the cooperative Receivables from members of the cooperative Total of receivables from members of the cooperative Disclosure of receivables relating to financing deficit Policy of receivables relating to financing deficit Receivables relating to financing deficit Additions of receivables from banks due to changes in value Additions of receivables from banks due to changes in value Additions due to changes in value of receivables Concentration of receivables from banks Other movements of receivables from credit institutions Other movements Movement of receivables from banks Total of movement of receivables from banks Movement during the period Receipts after write-offs of receivables from banks Receipts after write-offs Release of receivables from banks due to changes in value Release due to changes in value of receivables Write-offs of receivables from banks Write-offs of receivables from banks Write-offs Disclosure of receivables from central cash and health care insurance fund Policy of receivables from central cash health care insurance fund Receivables from central cash and health care insurance fund Total of receivables from central cash and health care insurance fund Additions of receivables from customers due to changes in value Additions due to changes in value of receivables Concentration of receivables from customers Other movements of receivables from customers Other movements Movement of receivables from customers Total of movements during the period Movement during the period Receipts after write-offs of receivables from customers Receipts after write-offs Release of receivables from customers due to changes in value Release of receivables from customers due to changes in value Release due to changes in value of receivables Write-offs of receivables from customers Write-offs of receivables from customers Write-offs Disclosure of receivables from deferred profit sharing Policy of receivables from deferred profit sharing Receivables from deferred profit sharing Disclosure of receivables from employers Policy of receivables from employers Receivables from employers Disclosure of receivables from healthcare providers Policy of receivables from healthcare providers Receivables from healthcare providers Disclosure of receivables from insurance policies not immediately due from current accounts Policy of receivables from insurance policies not immediately due from current accounts Receivables from insurance policies not immediately due from current accounts Total of receivables from insurance policies not immediately due from current accounts Disclosure of other receivables from insurance policies not immediately due from current accounts Policy of other receivables from insurance policies not immediately due from current accounts Other receivables from insurance policies not immediately due from current accounts Other receivables from insurance policies not immediately due from current accounts at the beginning of the period Other receivables from insurance policies not immediately due from current accounts at the end of the period Disclosure of receivables VO from the Ministry of OC&W Policy of receivables VO from the Ministry of OC&W Policy of receivables VO from the Ministry of OCW Receivables VO from the Ministry of OC&W Disclosure of receivables from participants of pension fund Policy of receivables from participants of pension fund Receivables from participants of pension fund Disclosure of receivables from profit sharing not immediately due Policy of receivables from profit sharing not immediately due Receivables from profit sharing not immediately due Disclosure of receivables from value transfers Policy of receivables from value transfers Receivables from value transfers Disclosure of receivables relating to income tax Disclosure of tax receivables to be recovered for the current or prior reporting periods Policy of receivables relating to income tax Policy of tax receivables to be recovered for the current or prior reporting periods Receivables relating to income tax Tax receivables to be recovered for the current or prior reporting periods Indication if receivables are held for exploitation, held for direct use relating to the objective or held as an investment Disclosure of receivables with a maturity exceeding one year Disclosure of maturity exceeding one year Description of receivables of which the legal entity does not have legal ownership Absence of legal ownership Disclosure of receivables on employers Policy of receivables on employers Receivables on employers Disclosure of receivables on participants Policy of receivables on participants Receivables on participants PPI Disclosure of other receivables from reinsurance part technical provisions Policy of other receivables from reinsurance part technical provisions Other receivables relating to reinsurance part technical provisions Other receivables relating to reinsurance part technical provisions at the beginning of the period Other receivables relating to reinsurance part technical provisions at the end of the period Receivables and payables classified as cash and cash equivalents on behalf of pension fund Cash and cash equivalents Receivables and payables classified as investments on behalf of pension fund Investments Receivables and payables classified as payables on behalf of pension fund Payables Receivables and payables classified as receivables on behalf of pension fund Receivables Disclosure of receivables from reinsurance Policy of receivables from reinsurance Receivables from reinsurance Disclosure of receivables from value transfers Policy of receivables from value transfers Receivables from value transfers Disclosure of the received or expected goods for the execution of assignments Disclosure of reconciliation between the operating result and the cash flow from operations when applying the direct method Description of the recovery plan that is applicable during the period Description of the recovery plan in case of a reserve deficit Redemption premiums Redemption premiums Disclosure of redemption rights and obligations of all real estate sold under conditions that qualify as a sales transaction Reference to the available information on compliance with the codes of conduct Description of references to standards for management systems Description of a reflection of the co-determination on the plan for the years 2021 to 2024 Available regulatory capital ratio Available regulatory capital Disclosure of regulatory capital Minimum required regulatory capital ratio Minimum required regulatory capital Disclosure of reimbursement for investmentsactivities Policy of reimbursement for investmentsactivities Reimbursement investementactivities Reimbursement investementactivities Expenses and reimbursements for lending of financial instruments Expenses and reimbursements for lending of financial instruments Disclosure of other contracts reinsurance Policy of other contracts reinsurance Other contracts reinsurance Other contracts reinsurance at the beginning of the period Other contracts reinsurance at the end of the period Additions to reinsurance part technical provisions Additions Disclosure of reinsurance part technical provisions Exchange differences on reinsurance part technical provisions Exchange differences Other movements of reinsurance part technical provisions Other movements during the period Movement of reinsurance part technical provisions Total of movements during the period Movement during the period Description of the nature of insurance related receivables or payables of the reinsurance part technical provisions Policy of reinsurance part technical provisions Release from reinsurance part technical provisions Release from reinsurance part technical provisions Release Description of the terms applicable when an insurance policy expires in the reinsurance part technical provisions Usage of reinsurance part technical provisions Usage of reinsurance part technical provisions Usage Yielded interest of reinsurance part technical provisions Yielded interest Reinsurance part technical provisions Total of reinsurance part technical provisions Reinsurance part technical provisions at the beginning of the period Reinsurance part technical provisions at the end of the period Description of reinsurance policy Reinsurance premiums paid Reinsurance premiums paid Reinsurance premiums paid Reinsurer benefits received Description of the related agreements, including any option Amount of transactions with related parties of the fund manager, investment entity or custodian that have not occurred on a regulated market or other market for financial instruments Description of the features of the agreements with related parties of the fund manager, investment entity or custodian Description of the statement that the investment entity invests directly or indirectly in another investment entity that is an affiliate of the manager, investment entity or custodian Description of the investments in related parties of the fund manager, investment entity or custodian that encompasses more than ten percent of the capital Description of the investments in investment entities that are related parties of the fund manager, investment entity or custodian Description of the statement that the investment entity invests directly or indirectly in another investment entity managed by an affiliate of the manager, investment entity or custodian Description of the types of transactions carried out through parties affiliated with the fund manager, investment entity or custodian and the conditions thereof Description of the name of the custodian, the price, the relevant conditions, the valued value and the reason for not acting in accordance with the market Rate of the total transaction volume performed through related parties of the fund manager, investment entity or custodian Rate of consolidation of the related party Rate of consolidation Date of the last available financial statements of the related party Equity Total revenue Legal form of the related party Legal form Legal form Code activities Activities: contract education (Y/N) Indication of the main activities of the related party Main activities Indication of the most important activities with regard to other matters of the related party Activities: other (Y/N) Rate of participation in the related party Rate of participation Registered office of the related party Registered office Result Severally liable for the liabilities of the related party (Y/N) Severally liable (Y/N) Article 2:403 DCC (Y/N) Released for costs from the vvp Released for costs from the vvp Release of costs from own account premiums Release of costs from own account premiums Description of the competent authority in the management report on the relevant political or social themes published by the Minister of Education, Culture and Science for the reporting year in question Description of the main issues of social aspects relevant to the legal entity Disclosure of reliability transactioncosts premium pension institutions Remaining term (in months) of the rights granted by the company during the financial year Disclosure of remittances to related (international) parties Remittances to related (international) parties Disclosure of the remuneration of the administrator of the investment entity Number of beneficiaries of the remuneration of the employees of the administrator of the investment entity attributable to the investment entity Remuneration of the employees of the administrator of the investment entity attributable to the investment entity Number of beneficiaries of the remuneration of the employees of the administrator of the investment entity involved with the investment entity Remuneration of the employees of the administrator of the investment entity involved with the investment entity Number of beneficiaries of the remuneration of the employees of the administrator of the investment entity Regular remuneration of the employees of the administrator of the investment entity Variable remuneration of the employees of the administrator of the investment entity Remuneration of the employees of the administrator of the investment entity Total of remuneration of the employees of the administrator of the investment entity Remuneration of the employees of the administrator whose actions have a significant influence on the risk profile of the investment entity Remuneration of the management of the administrator of the investment entity Remuneration of the administrator of the investment entity Total of remuneration of the administrator of the investment entity Remuneration of executive managing directors Disclosure of remuneration of executive directors and non executive managing directors Remuneration of executive directors and non executive managing directors Total of remuneration of executive directors and non executive managing directors Extent of employment (in hours) of managing and supervisory directors Extent of employment (in hours) Part-time rate of employment of managing and supervisory directors Part-time rate of employment Remuneration of managing and supervisory directors Total of remuneration of managing and supervisory directors Remuneration of managing and supervisory directors at the beginning of the period Remuneration of managing and supervisory directors at the end of the period Remuneration of non-executive managing directors Disclosure of rental income Disclosure of rental income from investment properties Rental income from investment properties Policy of rental income Rental income Disclosure of rental and leasing expenses Policy of rental and leasing expenses Rental and leasing expenses Rental and leasing Repayments of borrowings Repayments of borrowings Repayments of debt securities Repayments of subordinated borrowings Representation expenses Description of the required coverage ratios and the extent of compliance to these ratios Required interest Required interest Disclosure of reserve for discretionary profit sharing Movement of reserve for discretionary profit sharing Total of movements during the period Policy of reserve for discretionary profit sharing Reserve for discretionary profit sharing Reserve for discretionary profit sharing at the beginning of the period Reserve for discretionary profit sharing at the end of the period Additions to reserves and funds Additions Reserves and funds in the consolidated financial statements Other differences in reserves and funds between the separate and consolidated financial statements Difference in reserves and funds in the separate and consolidated financial statements Total of difference in reserves and funds in the separate and consolidated financial statements Direct movement in reserves and funds as a result of a change in accounting policies Direct movement as a result of a change in accounting policies Direct movement in reserves and funds as a result of exchange differences Direct movement as a result of exchange differences Direct movement in reserves and funds as a result of financial instruments Direct movement as a result of financial instruments Direct movement in reserves and funds as a result of the reversal of impairments Direct movement as a result of the reversal of impairments Direct movement in reserves and funds as a result of impairments Direct movement in reserves and funds as a result of impairments Direct movement as a result of impairments Direct movement in reserves and funds as a result of prior period errors Direct movement as a result of prior period errors Disclosure of reserves and funds Disclosure of important subsequent events that impact reserves and funds Other movements of reserves and funds Other movements Movement of reserves and funds Total of movements during the period Movement during the period Disclosure of other reserves and funds Policy of other reserves and funds Other reserves and funds Policy of reserves and funds Release from reserves and funds Release from reserves and funds Release Revaluations of assets recognised in reserves and funds Revaluations Reserves and funds in the separate financial statements Total of reserves and funds in the separate financial statements Transfers of reserves and funds Transfers Withdrawals of reserves and funds Withdrawals of reserves and funds Withdrawals Reserves and funds Total of reserves and funds Reserves and funds at the beginning of the period Reserves and funds at the end of the period Disclosure of reserves Disclosure of reserves with limited spending Additions to other reserves Additions to other reserves Withdrawals from other reserves Policy of reserves Reserves Total of reserves Description of responsibilities and working methods of management Description of responsibilities and working methods of the supervisory body Accountability Memorandum 'Clarity in funding' (educational institution for higher education or vocational education and adult education) Accountability Quality agreements Description of the result of the activities Disclosure of result analysis Amount of the result from a sector group Amount of the result from profit source Disclosure of result before member payments Disclosure of result from ordinary activities before member payments Policy of result before member payments Policy of result from ordinary activities before member payments Result before member payments Total of result before member payments Result from ordinary activities before member payments Result before tax of business activities that are not continued sustainably Result before tax of discontinued operations due to unsustainable business operations Description of the result before taxes that is achieved with the settlement of items of the loan capital of a business activity that is not continued sustainably Description of the result before taxes that is achieved with the sale of assets of a business activity that is not continued on a sustainable basis Result before tax generated from the settlement of the debt items of a business activities that are not continued sustainably Result before tax generated from the sale of assets of a business activities that are not continued sustainably Result on life insurance portfolio development Disclosure of result Result of business activities that are not continued sustainably Result from derivative financial instruments Result from other financial transactions Result from foreign exchange Result from investments Result from securities Result on invalidity Result on mortality Result on other technical bases Policy of result Result on chance systems Total of result on chance systems Gains or losses arising from the outsourcing or disposal of a intangible assets Gains or losses arising from the outsourcing or disposal of a intangible assets Gains or losses arising from the outsourcing or disposal of a property, plant and equipment Gains or losses arising from the outsourcing or disposal of a property, plant and equipment Result Total of result Description of what has been or will be done with the results of the evaluation of the alternative measures taken in the absence of the internal audit service Description of the sensitivity of the company's results to material changes in external circumstances Description of the results of the policy concerning the general environmental, social and personnel aspects Description of the results of the policy concerning the fight against corruption and bribery Description of the results of the policy concerning the respect of human rights Description of the results of the annual review and evaluation of the principles of the remuneration policy including irregularities that may have occurred Risks associated to retirement benefit plans based on IAS 19R Characteristics of retirement benefit plans based on IAS 19R Disclosure of retirement benefit plans based on IAS 19R Funding arrangements of retirement benefit plans based on IAS 19R Impact of retirement benefit plans based on IAS 19R on the amounts in the financial statements Return collective investment reused securities cash description Disclosure return fees not benefiting the investment entity Reused received securites description Disclosure of revaluation of property, plant and equipment Revaluation of property, plant and equipment Additions to revaluation reserve Movement of revaluation reserve as a result of tax impact of change in accounting policies Tax impact of change in accounting policies Movement of revaluation reserve as a result of change in accounting policies Change in accounting policies Movement of revaluation reserve as a result of tax impact of realised revaluations Tax impact of realised revaluations Movement of revaluation reserve as a result of realised revaluations through hedged assets and liabilities Realised revaluations through hedged assets and liabilities Realised revaluations through hedged assets and liabilities Movement of revaluation reserve as a result of realised revaluations through the income statement Realised revaluations through the income statement Realised revaluations through the income statement Movement of revaluation reserve as a result of realised revaluations through the other reserves Realised revaluations through the other reserves Realised revaluations through the other reserves Movement of revaluation reserve as a result of revaluations through hedged assets and liabilities Revaluations through hedged assets and liabilities Movement of revaluation reserve as a result of revaluations through the income statement Revaluations through the income statement Movement of revaluation reserve as a result of revaluations through the other reserves Revaluations through the other reserves Withdrawals from revaluation reserve Description of turnover, other operating income, exceptional items and net result of the companies for the period prior to the date of consolidation, which are included in the net profit according to the consolidated annual accounts Policy of revenue recognition Method of allocating revenues to financial period, including determination of method of implementation of assignments to services Revenues from dividends Revenues from interest Revenues from Licenses Revenues from providing services Revenues from royalties Revenues from the sale of goods Revenues from other sources Amount included in important categories of profits related to the exchange of goods and services Revenues Total of revenues Description of rights and obligations under the compensation plans not recognized as revenue in the income statement Description of rights associated with shares held in administration Disclosure of hedging of rights granted Type of shares or certificates that the rights granted not yet exercised by the end of the financial year claim rights provides Nominal value of the type of shares or certificates that the rights granted not yet exercised by the end of the financial year claim rights provides Description of the position on the balance sheet date of granted and not yet hedged rights to acquire or acquire own shares Number of underlying shares of granted rights not yet exercised Description of the policy for hedging of rights granted Policy as part of hedging of rights granted for acquistion or receival treasury shares Description of purchase commitments of shares or certificates of shares on behalf of rights granted Description of commitment of purchase of outstanding shares of legal entity or share certificate, under nominal value of shares or certificates of shares, of the agreed price and other relevant conditions Description of the newly issued shares for the exercise of the granted rights Description of the treasury shares purchased for the exercise of the granted rights Description of risk management in the context of management of corporate social responsibility reporting Description of risk management policy Description of risks associated with outsourcing Sales of investments Sales related expenses Sales and repayments of investments Disclosure of fair value of securities Description of aggregated transaction data for the different types of SFT's and total revenue swaps separately Description of concentration data of securities financing transactions Description of custody under SFT's and total return swaps collateral provided by the collective investment undertaking Description of custody under SFTs and total return swaps collateral received by the collective investment undertaking Description of general data of securities financing transactions Securities financing transactions maturity profile segment description Description of yield and cost data for the different types of SFT's and total revenue swaps Description of reuse of securities data of securities financing transactions Securities handling and clearing description Description of whether the securities are held as required for business operations, for direct use in the context of the objective or for investment Securities held on seperate, joined or different accounts description Listed securities Description of the maturity profile of the securities divided by the maturity segments Description of securities of which the legal entity does not have legal ownership Non-listed securities Description of the ten most common counterparties for the different types of SFT's and total return swaps seperately Description of the most common issuers of securities of all SFT's and total revenue Securities that will be allowed or be traded on regulated market within one year Description of the type of securities and the quality of securities Additions to financial assets by segment Additions to financial assets Additions to intangible assets by segment Additions to intangible assets Additions to property, plant and equipment by segment Additions to property, plant and equipment Additions to financial capital assets per segment Amortisation of intangible assets by segment Amortisation of intangible assets Assets by segment Book value of assets Description in the composition of reportable segments Depreciation of property, plant and equipment by segment Depreciation of property, plant and equipment Disclosure of segment information Impairment of intangible assets by segment Impairment of intangible assets Impairment of property, plant and equipment by segment Impairment of property, plant and equipment Segment information, income from other segments Segment information, income from third parties Segment information, income Liabilities by segment Book value of liabilities Intercompany revenue from other segments by segment Intercompany revenues from other segments Intercompany revenues to other operational segments per segment Net revenue from third parties by segment Net revenue from third parties Net revenue to third parties by segment Net revenue by segment Net revenue Policy of segment information Policy for processing of transactions within reporting segments Provisions by segment Book value of provisions Description of the reconciliation between segmented and aggregated information Result for the year by segment Result for the year Operating results per segment Description of the selection process and how to safeguard the independence of the auditor Statement on (semi) annual financial reporting Disclosure of sensitivity analysis Description of the sensitivity of the investments on market developments Disclosure of service fees Policy of service fees Service fees Disclosure of settlement contribution received from the healthcare insurance fund Policy of settlement contribution received from the healthcare insurance fund Settlement contribution received from the healthcare insurance fund Settlement result Settlement result Disclosure of settlement statistics Disclosure of severance payments Policy of severance payments Severance payments Description of the redundancy scheme of the (former) director Description of share based payments Nature of share based payments during the reporting period Disclosure of determining of fair value or intrinsic value of the share options relating to the share based payments Disclosure of share based payments Disclosure of expenses relating to share based payments Policy of expenses relating to share based payments Expenses relating to share based payments Description of the position of granted not yet exercised options relating to share based payments Position of granted not yet exercised options Position of granted not yet exercised options Description of the policy for hedging of granted share options of share based payments Policy for hedging of granted share options Policy for hedging of granted share options Description of important conditions of share based payments Share based payments included in wages and salaries Share based payments included in wages Liabilities relating to share based payments Provisions relating to share based payments Policy of share based payments Description of purchase commitments of shares(certificates) relating to share based payments Description of purchase commitments of shares(certificates) Average price of purchased treasury shares relating to share based payments Average price of purchased treasury shares Average paid prices for hedging of granted share options Share based payments Paid and called-up capital that is not recognized as fully paid for tax purposes Shares certificate issued Disclosure of share certificates or shares held in administration Agio that is not regarded as deposited for tax purposes Shares held in administration Accumulated depreciation and impairment of shares and other variable-yield securities Accumulated depreciation and impairments Accumulated depreciation and impairments at the beginning of the period Accumulated depreciation and impairments at the end of the period Accumulated revaluations of shares and other variable-yield securities Accumulated revaluations Accumulated revaluations at the beginning of the period Accumulated revaluations at the end of the period Additions to shares and other variable-yield securities Depreciation of shares and other variable-yield securities Depreciation of shares and other variable-yield securities Depreciation of disposals of shares and other variable-yield securities Disposals of shares and other variable-yield securities Disposals of shares and other variable-yield securities Reversal of impairment of shares and other variable-yield securities Impairment of shares and other variable-yield securities Impairment of shares and other variable-yield securities Movement of shares and other variable-yield securities Total of movements during the period Movement during the period Revaluations of shares and other variable-yield securities Conditions for the conversion of loans redeemable in shares Description of the risks and uncertainties that have had a significant impact on the legal entity in the past financial year, and the consequences for the legal entity Description of situation per year end activities non listed organisations Description of the social aspects that are relevant for a good understanding of the chain Sold investments Disclosure of solvency considered Description of the impact of the risks stated in the risk report on the solvency considered essential Description of the method used to determine the solvency considered essential Disclosure of solvency Solvency requirements information Description of the extent to which specific codes of conduct are followed and which codes are concerned Disclosure of spending percentage Spending percentage of expenses Spending percentage of income Disclosure of sponsoring contributions Policy of sponsoring contributions Sponsoring contributions Disclosure of staffing level Disclosure of staffing level of management Staffing level of management Management Disclosure of staffing level of supporting staff / other employees Staffing level of supporting staff / other employees Supporting staff / other employees Disclosure of staffing level of scientific staff Staffing level of scientific staff Scientific staff Disclosure of staffing level of primary staff / teaching staff Staffing level of primary staff / teaching staff Primary staff / teaching staff Staffing level Total of staffing level Description of the categories of stakeholders Description of the composition of the stakeholders body Description of the opinion of the stakeholders body on the actions of management, policies, as well as future policy choices Description of the response of management to the opinion of the stakeholders body Date appointment Description of the line item in the statement of income and expenses where information expenses are recognised Disclosure of statement of comprehensive income Policy of statement of comprehensive income Description of statements, agreements and guidelines in the context of social reporting Description of the numerical reconciliation between the average effective tax rate and the applicable tax rate Factors that affect the relationship between tax expense or income and profit Description of the numerical reconciliation of the tax expense or income with the product of the result before tax and the applicable tax rate Description of the nature of the statutory provision Description of the structure and results of the remuneration policy Disclosure of students who are financially supported by the Financial Support Fund Description of subordinated liability Disclosure of subordinated loans Policy of subordinated loans Current subordinated loans Description of the (estimate of the) financial impact from the subsequent event Estimate of the financial impact of the event after balance sheet date, or a notice that this is not possible Subsequent events in the management report Subsequent events Description of the nature of the subsequent event Description of subsequent events for non-listed organisations in which the investment entity has a controlling interest Disclosure of expenses of subsidies and contributions Disclosure of subsidies and contributions Expenses of subsidies and contributions Subsidies and contributions Disclosure of provided subsidies and gifts Policy of provided subsidies and gifts Provided subsidies and gifts Provided subsidies and gifts Explanation of the subsidies provided by the Minister of Education, Culture and Science or the Minister for Primary and Secondary Education and the Media Explanation of the subsidies provided Subsidies provided including subsidy liabilities not distributed Total of subsidies provided including subsidy liabilities not distributed Subsidies provided Subsidies provided The activities were fully implemented and completed at the end of the reporting year in accordance with the subsidy obligations Yes: the activities were fully implemented and completed at the end of the reporting year, in accordance with the subsidy obligations. No: the activities were fully implemented and completed at the end of the reporting year, contrary to the subsidy obligations. Work in progress: the activities were not yet fully implemented and completed at the end of the reporting year. Fully performed and completed (Y/N) Amount of allocation of subsidy income Amount of allocation Characteristic of allocation of subsidy income Characteristic of allocation Date of allocation of subsidy income Date of allocation Balance as at 31 December reporting year Any surplus of the subsidy income to be settled To be settled as at 31 December reporting year Balance of subsidy income still to spend Balance still to spend Disclosure of subsidy income from central governments relating to Ministry of VWS Disclosure of central government subsidies relating to Ministry of VWS Policy of subsidy income from central governments relating to Ministry of VWS Policy of central government subsidies relating to Ministry of VWS Subsidy income from central governments relating to Ministry of VWS Central government subsidies relating to Ministry of VWS Disclosure of subsidy income from central governments relating to Ministry of V&J Disclosure of central government subsidies relating to Ministry of V&J Policy of subsidy income from central governments relating to Ministry of V&J Policy of central government subsidies relating to Ministry of V&J Subsidy income from central governments relating to Ministry of V&J Central government subsidies relating to Ministry of V&J Disclosure of other subsidy income from central governments Disclosure of other central government subsidies Policy of other subsidy income from central governments Policy of other central government subsidies Other subsidy income from central governments Other central government subsidies Subsidy income from central governments Subsidy income from companies Disclosure of subsidy conditions Disclosure of subsidy income Subsidy income from the European Union Expenses relating to the utilisation of the subsidy income during the reporting period Expenses during the reporting period Eligible costs in the year under review Eligible costs in the year under review Total of eligible costs in the year under review Subsidy income from other governments Subsidy income from governments Description of the incidental or structural character of the subsidy income Subsidy income from international organisations Subsidy income from KNAW (Royal Academy of Sciences) Subsidy income from KNAW Subsidy income from NWO (Dutch Organisation for Scientific Research) Subsidy income from NWO Subsidy income from other national governments Subsidy income from national governments Subsidy income from other non-profit organisations Disclosure of other subsidies, including wage cost subsidies and EU subsidies Policy of other subsidies, including wage cost subsidies and EU subsidies Other subsidies, including wage cost subsidies and EU subsidies Other subsidies Policy of subsidy income Subsidy income from other private organisations Subsidy income from private organisations Disclosure of subsidy income relating to provinces and municipalities (excluding WMO and Youth law) Policy of subsidy income relating to provinces and municipalities (excluding WMO and Youth law) Subsidy income relating to provinces and municipalities (excluding WMO and Youth law) Subsidy income received before the reporting period Received before the reporting period Subsidy income received during reporting period Received during reporting period Grant income received up to and including the previous reporting year Received up to and including last reporting year Subsidy income, settlements not yet approved by subsidy provider Subsidy income Total of subsidy income Disclosure of current subsidy liabilities Disclosure of subsidy liabilities Policy of current subsidy liabilities Policy of subsidy liabilities Disclosure of subsidy liabilities Disclosure of non-current subsidy liabilities Disclosure of subsidy liabilities Policy of non-current subsidy liabilities Policy of subsidy liabilities Subsidy liabilities not distributed Subsidy liabilities not distributed Policy of subsidy liabilities Date of publication of the sustainability report Date of publication Summary of the sustainability report Disclosure of sum of transfer taken pension obligations Policy of sum of transfer taken pension obligations Sum of transfer taken pension obligations Sum of transfer taken pension obligations Sum of transfer taken pension obligations Disclosure of sum of transfer transferred pension obligations Policy of sum of transfer transferred pension obligations Sum of transfer transferred pension obligations Sum of transfer transferred pension obligations Sum of transfer transferred pension obligations Disclosure of supervision expenses Policy of supervision expenses Supervisory expenses Report of the supervisory body Report of the Supervisory Board Description of type and amount of the sureties received to decrease the counterparty risk Description of the sustainability reporting with regards to water rights Disclosure of the tax burden on the individual items in the statement of comprehensive income Disclosure of tax payables Policy of tax payables Tax payables Disclosure of tax receivables Policy of tax receivables Tax receivables Disclosure of technical provision for discretionary profit sharing obligations Policy of technical provision for discretionary profit sharing obligations Technical provision for discretionary profit sharing obligations Technical provision for discretionary profit sharing obligations at the beginning of the period Technical provision for discretionary profit sharing obligations at the end of the period Other technical provision Other technical provision at the beginning of the period Other technical provision at the end of the period Amount of the technical provisions if these are calculated on the basis of surrender of all insurance policies Technical provisions benefits payable life insurance Discount rate of technical provisions for damages or benefits payable Disclosure of discounting of technical provisions for damages or benefits payable Nominal amount before discounting of the technical provisions for damages or benefits payable Technical provisions life insurance other Movement during the period of technical provisions Total of movements during the period Movement during the period Additions to other technical provisions Additions Exchange differences on other technical provisions Exchange differences Other movements of other technical provisions Other movements during the period Movement of other technical provisions Total of movement of other technical provisions Movement during the period Release from other technical provisions Release from other technical provisions Release Usage of reinsurance part technical provisions Usage of reinsurance part technical provisions Usage Yielded interest of other technical provisions Technical provisions unearned premiums life insurance Description of the term and other important terms of the transaction Description of the activities Description of the actual performance indicators related to the identified environmental aspects Description of the analysis of economical, environmental and social aspects in the chain Description of the analysis of the differences between the performances achieved and the objectives stipulated Description of the applied accounting standards or guidelines Description of the audit and certification of management systems Description of the economic aspects of corporate social responsibility within the chain Description of the economic aspects of corporate social responsibility Description of the financial aspects of corporate social responsibility within the chain Description of the financial aspects of corporate social responsibility Description of the financial aspects of corporate social responsibility within operations Description of the non-financial aspects of corporate social responsibility within the chain Description of the non-financial aspects of corporate social responsibility Description of the non-financial aspects of corporate social responsibility within operations Description of the economic aspects of corporate social responsibility within operations Description of the business activities with regards to the environmental aspects within the chain Description of the business activities with regards to the environmental aspects Description of environmental protection measures taken in the context of corporate social responsibility within the chain Description of environmental protection measures taken in the context of corporate social responsibility Description of environmental protection measures taken in the context of corporate social responsibility within operations Description of the business activities with regards to the environmental aspects within operations Description of the business activities with regards to the social aspects within the chain Description of the business activities with regards to the social aspects Description of the business activities with regards to the social aspects with regards to human rights within the chain Description of the business activities with regards to the social aspects with regards to human rights within operations Description of the business activities with regards to the social aspects human rights operations Description of the business activities with regards to the social aspects within operations Description of labor issues within the chain Description of labor issues Description of labor issues within operations Description of the choice and the role of dialogues with interested in the reporting process Description of the choices made related to the information to be reported in the policy report Description of the activities of the company with regards to the general social aspects within the chain Description of the activities of the company with regards to the general social aspects Description of governance and ethics within the chain Description of governance and ethics Description of governance and ethics within operations Description of the role of stakeholders in the main problems and challenges for the legal entity within the chain Description of the role of stakeholders in the main problems and challenges for the legal entity Description of the role of stakeholders in the main problems and challenges for the legal entity within operations Description of the main problems and challenges for the legal entity and to what extent these are (partly) decisive for the business strategy within the chain Description of the main problems and challenges for the legal entity and to what extent these are (partly) decisive for the business strategy Description of the main problems and challenges for the legal entity and to what extent these are (partly) decisive for the business strategy within operations Description of the interrelationship between the environmental, social and economic aspects within the chain Description of the interrelationship between the environmental, social and economic aspects Description of the interrelationship between the environmental, social and economic aspects within operations Description of the composition of management Description of the composition of the supervisory body Description of the composition of the other bodies Description of what are the main considerations are for the policy that is being pursued in this regard Description of how stakeholders have been consulted Description of the consultations and outcomes related to the dialogue with stakeholders Description of the contribution that the organisation intends to deliver to sustainable development Description of the measures taken to manage the main risks and uncertainties Controls to mitigate the principal risks and uncertainties Description of the corporate social responsibility reporting policy Description of the degree of subjectivity in valuations Description of the differences with the reporting period of the financial report Description of the diversity policy with regard to the composition of the management board and the supervisory board Description of the division of tasks and responsibilities within the legal entity Description of the economical aspects related to both financial and non-financial indicators Description of the expectations related to future developments and the formulation of new objectives Description of the expected impact on the results and financial position Expected impact on the results and financial position in case one or more of the main risks and uncertainties occur Description of the future expectations concerning the general environmental social financial and economical aspects Description of the governance structure and management information systems for the general environmental social financial and economical aspects Description of the governance structure and management of the corporate social responsibility reporting Description of the group structure and legal form Description of the impact of changes in definitions and measurement methods Description of the implementation and testing of the formulated policy Description of the implemented measures and monitoring of the compliance with these measures Description Of the implications for the information in the sustainability report Description of the inherent limitations in the reliability of the data as a result of the methods of measuring, estimating and calculating Description of the integration of the management of economic, environmental and social aspects in the daily activities Description of the international cooperation within the sector Description of the international trade finance and property relations of the organisation Description of the legal structure Description of the main categories of suppliers classified by preference rankings Description of the main divisions, branches and participating interests of the corporation Description of the main markets and categories of customers in the context of supply chain information Description of the main subcontractors if applicable Description of the measures aimed at the integrity of the advertising policies Description of the method of implementation of fair competition and pricing Description of the methods of measuring, estimating and calculating Description of the most important performance indicators Description of the most important products, services and markets Description of the most relevant processes within the organisation Description of the multiannual overview and trends Description of the national and international labour aspects Description of the national and/or international chain in which the entity operates Description of the objective Description of the objectives, mission and vision Description of the objectives related to economical environmental and social aspects of business operations and supply chain responsibility Description of the objectives related to the performance indicators Description of the operational risks and uncertainties related to the remuneration policy Risks and uncertainties related to the remuneration policy of the legal entity Description of the operational risks and uncertainties related to the reputation of the entity Risks and uncertainties related to the reputation of the entity or her products and services Description of the operational risks and uncertainties relating to corruption Risks and uncertainties relating to corruption Description of the operational risks and uncertainties relating to internal organisation and administration of the legal entity Risks and uncertainties relating to internal organisation and administration Description of the operational risks and uncertainties relating to personnel, products and the environment Risks and uncertainties relating to quality of personnel or products or risks of damage to the environment Description of the operational risks and uncertainties relating to vulnerability to fraud Risks and uncertainties relating to vulnerability to fraud Description of the outcomes related to the dialogue with stakeholders Description of the policy that is being conducted in this regard Description of the policies with regards to the general environmental social financial and economical aspects Description of the policy for obtaining basic information Description of the policy on animal welfare and genetic modification Description of the policy with regard to independent assurance of sustainability reporting Description of the policy to meet the objective Description of the principal risks and uncertainties market demands on product and services of the entity Description of the principal risks and uncertainties market demands on product and services on offer by the entity Description of the principal risks and uncertainties related to governance Risks and uncertainties related to governance of the legal entity Description of the principal risks and uncertainties related to social developments Risks and uncertainties related to or accompanying social developments Description of the principal risks and uncertainties related to sustainability Risks and uncertainties related to or accompanying sustainability aspects Description of the principal risks and uncertainties related to the dependence of the entity on products and services Description of the principal risks and uncertainties related to the dependence of the entity on certain products and services Description of the principal risks and uncertainties relating to bed reduction in mental health care Description of the principal risks and uncertainties relating to carrying out self-tests Description of the principal risks and uncertainties relating to changes in the strategy Risks and uncertainties relating to changes in the strategy of the legal entity Description of the principal risks and uncertainties relating to contracting of care and performance-related funding Description of the principal risks and uncertainties relating to developments in the competitive ability of the entity Description of the principal risks and uncertainties relating to developments in the macro framework Description of the principal risks and uncertainties relating to financial reporting Principal risks and uncertainties relating to financial reporting Description of the principal risks and uncertainties relating to internal and external laws and regulations Principal risks and uncertainties relating to internal and external laws and regulations Description of the principal risks and uncertainties relating to operating activities Risks and uncertainties relating to operating activities Description of the principal risks and uncertainties relating to property valuation including impairments Description of the principal risks and uncertainties relating to revenue recognition Description of the principal risks and uncertainties relating to special cost developments (eg expensive medicines) Description of the principal risks and uncertainties relating to technological developments Risks and uncertainties relating to or following technological developments Description of the principal risks and uncertainties relating to the financial position of the entity Principal risks and uncertainties relating to the financial position of the entity Description of the principal risks and uncertainties relating to the implementation of new information systems Risks and uncertainties relating to the implementation of new information systems Description of the principal risks and uncertainties relating to the strategy of the entity Risks and uncertainties relating to the strategy of the entity Description of the process for determining the business strategy Description of the process for the composition of the supervisory board Description about the profile of the organisation and its activities Description of the relationship with laws, regulations and licenses Description of the reporting process and method for consolidating data Description of the results of the activities Description of the review of implementation and outcomes of policy and previously expressed expectations Description of the risks relating to implementing financial reporting systems Description of the role of definitions Description of the scope of the independent assurance process Description of the scope of the sustainability report Description of the size of the organisation Description of the social aspects of business activities Description of the social aspects of the own operations and business activities Description of the social aspects specifically related to the chain in which the entity operates Description of the social performance of the organisation Description of the sustainability reporting with regards to climate change Description of the sustainability reporting with regards to human rights Description of the (international) chain management of the legal entity Description of the target group of the report Description of the term in office of the members of management Description of the term in office of the members of the supervisory body Description of the underlying principle of the data Description of the vision of the organisation on corporate social responsibility Total amount of taxes recognized directly in equity Disclosure of trade and other receivables Policy of trade and other receivables Trade and other receivables Total of trade and other receivables Gross trade receivables Net trade receivables Total of net trade receivables Net trade receivables at the beginning of the period Net trade receivables at the end of the period Provision bad debts on trade receivables Provision bad debts on trade receivables Provision bad debts Transaction costs as a percentage of the average invested assets Description of the transaction costs Disclosure of transaction costs Disclosure of identified and quantified transaction costs Policy of transaction costs Transaction costs Transfers from/to other parts of the vvp Transfers from/to other parts of the vvp Disclosure of balance of transfers of rights Policy of balance of transfers of rights Balance of transfers of rights Balance of transfers of rights Total of balance of transfers of rights Transfers of rights paid Transfers of rights paid Value transfers paid Transfers of rights received Value transfers received Disclosure of information on the application of the transitional provision - major maintenance provision Explanation regarding the use of the (temporary) transitional provision for major maintenance by an educational institution Provision of information on the application of the transitional provision - construction contracts Provision of information on the application of the transitional provision Provision of information on the application of the transitional provision - construction contracts (liability) Provision of information on the application of the transitional provision Provision of information on the application of the transitional provision - property, plant and equipment Provision of information on the application of the transitional provision Provision of information on the application of the transitional provision - revenue Provision of information on the application of the transitional provision Travel and accommodation expenses abroad Travel and accommodation expenses inland Acquired treasury shares Reissued or issued treasury shares Reissued or issued treasury shares Other movements in treasury shares Movement in treasury shares Total of movements during the period Disclosure of the calculation basis of the other one-off costs that participants pay in the investment entity on entry and exit Disclosure of premiums and discounts of treasury shares Withdrawn treasury shares Disclosure of tuition fees, course fees, training fees and exam fees Policy of tuition fees, course fees, training fees and exam fees Tuition fees, course fees, training fees and exam fees Total of tuition fees, course fees, training fees and exam fees Disclosure of turnover ratio Sub fund portfolio circulation factor Disclosure of turnover ratio of sub funds Turnover ratio Description of uncertainties relating to complex allocation systems Description of uncertainties relating to settlement contributions Description of nature and extent of uncertainties Other undefined expenses Description of underlying positions held by means of derivatives Understanding of costs asset management and transaction costs Description of underwriting risk Description of underwriting risk for indemnity insurance with regard to adequacy of claims provisions Description of underwriting risk for indemnity insurance with regard to catastrophes Description of underwriting risk for indemnity insurance Description of underwriting risk for indemnity insurance with regard to premium rates Description of underwriting risk for life insurance with regard to costs Description of underwriting risk for life insurance with regard to mortality Description of underwriting risk for life insurance Description of underwriting risk for life insurance with regard to unnatural decay Description of underwriting risk for life insurance with regard to invalidity Description of underwriting risk for life insurance with regard to longevity Description of underwriting risk for life insurance with regard to morbidity Description of extent of underwriting risks Description of the impact of the reinsurance policy on underwriting risks Description of the unexpired risks for discounted cheques and bills of exchange Unfavourable difference between the received amount and the principal amount of the loan Unfavourable difference between the received amount and the principal amount of the loan Description of unpaid, due rewards to staff Disclosure of unrealised losses on investments Policy of unrealised losses on investments Unrealised losses on investments Unrealised losses on investments Disclosure of unrealised profits on investments Policy of unrealised profits on investments Unrealised profits on investments Unrealised differences in value Description of the categories of real estate in operation for which the basic version is used for the model-based valuation of the market value Description of the categories of real estate in operation for which the full version is used for the model-based valuation of the market value Disclosure of value at risk Description of the method in which the value in use of intangible fixed assets is determined when measured at current value Description of the values and method on which the values are embedded Explanation of the level of variable remuneration based on performance measures Description of the amount of the variable remuneration based on the performance measures Conditions for the conversion of warrants and warrant loans Description of the way in which pension arrangements are insured by pension provider Weighted average number of diluted shares Weighted average number of ordinary shares Weighted average number of ordinary shares used as numerator in calculating the diluted earnings per share Description of mandatory or voluntary adherence to specific codes of conduct Information about the willingness of hedging risks and uncertainties Willingness of hedging risks and uncertainties Non-current accruals and deferred income Accruals and deferred income Acquired intangible assets AcquisitionCosts Active participants Administration costs for including items in the portfolio Advertising and marketing costs Group insurance Fees of the external auditor and the accounting firm Auditor's fees Total of auditor's fees Fees of network organisations Bonds issued by and receivables from group companies Bonds issued by and receivables from shareholders and participating interests Budget Buildings Capitalised acquisition commission, including extension commission Capitalised acquisition costs Capitalised administration costs for including line items in portfolio Capitalised advertising and marketing costs Capitalised application costs and costs for drawing policies Capitalised employee benefits costs regarding tied agents Capitalised medical examination costs Capitalised other acquisition costs Capitalised placement bonus paid to employees Closing fee, including renewal fee Collective insurances Commercial and social real estate in exploitation Commercial real estate in exploitation Continuity Continuity reserve Cost of medical examination Costs of incorporation and share issue, internally generated Costs of incorporation and share issue, not internally generated Investments expenses Cost of joint campaigns Costs of obtaining government subsidies Costs of applications and those of drawing up policies Costs of direct fundraising Cost of third-party campaigns Current damage year Current settlement year Custodian fees Damage older years Damage year t-8 Damage year t-5 Damage year t-4 Damage year t-9 Damage year t-1 Damage year settlement statistics Damage year settlement statistics other Damage year t-7 Damage year t-6 Damage year t-3 Damage year t-2 Deferred tax assets Deferred tax liabilities Provision for deferred tax liabilities Deposits at credit institutions Deposits from insurers Derivative financial instruments Derivatives Designated fund (private) Designated fund (public) Designated funds Designated reserve (private) Designated reserve (public) Designated reserves Direct investment properties Discontinued operations Discounted value Proposed amount of dividend payments to holders of equity instruments (classified as equity) Proposed amount of dividend payments to holders of equity instruments Due in next financial year Equalisation account Equipment Exchange traded futures relating to foreign exchange contracts Exchange traded futures relating to interest rate contracts Exchange traded options relating to foreign exchange contracts Exchange traded options relating to interest rate contracts Exchange trading Executive managing director Expense allocation Total of expense allocation Fundraisingcosts Total of fundraisingcosts Expenses spent on objectives Total expenses spent on objectives Discounted value finance lease liabilities Finance lease liabilities Non-current finance lease liabilities Finance lease liabilities Other financial assets Financial income and expenses Financial instruments allowed to be listed on a regulated market Financial instruments based on legal form classified as equity Financial instruments Financial instruments not allowed to be listed or are not traded on a regulated market Financial instruments traded on regulated market or other market for financial instruments Other financial investments Financing deficit/surplus to be settled in rates, total Foreign exchange contracts Forwards Foundation capital and reserves Foundation capital Capital Funds Futures General and other reserves General reserve Hedge relationship, cumulative change in fair value effective part Hedge relationship, cumulative change in fair value ineffective part, cumulative amount charged to income statement Hedge relationship, cumulative change in fair value ineffective part Hedged Higher professional education HBO Housing facilities in exploitation Inactive participants Indemnity insurance Indirect investment properties Individual insurances Insurance in cash Technical account, insurance Intangible assets, internally generated Total of intangible assets, internally generated Intangible assets, not internally generated Total of intangible assets, not internally generated Future profit margins of the acquired portfolio Other intangible assets, internally generated Other intangible assets Other intangible assets, not internally generated Interests in investment pools Interest rate contracts Internal claim handling costs current year Internal claim handling costs Internally generated intangible assets Intramural real estate in exploitation Investment in investment company exceeding twenty percent Investment insurance Investment properties in development Investment properties Total of investment properties Investments in bonds Investments in bonds, mortgages, debentures and other fixed or variable interest securities Investments in bonds other Investments in deposits and such Investments in Dutch state bonds Investments in fixed income securities Investments in equity instruments Investments in group companies and participating interests Investments in land and buildings at cost Investments in land and buildings at fair value Investments in land and buildings for own use at cost Investments in land and buildings for own use at fair value Investments in land and buildings other at cost Investments in land and buildings other at fair value Investments in listed and non-listed investment institutions that invest in fixed income securities Investments in listed and non-listed investment institutions that invest in shares Investments in mortgage loans Investments on behalf of participants Investments on behalf of pension fund Investments on behalf of premium pension institutions Investments in options warrants Other investments Investments in precious metals Investments in private loans Investments in real estate in the Netherlands Investments in real estate Investments in other real estate Investments in listed shares Investments in shares Investments in non-listed shares Land and buildings for own use Land Land Liabilities from real estate sold subject to terms and conditions Interest rate of non-current liabilities Listed Loans granted Costs of management and accounting Management expenses Marketing costs Negative goodwill No price quotation in active market Non-EER-students who are financially supported by the student support fund Non-executive managing director Not due in next financial year Not listed Obligations on behalf of risk participants Old age obligation Options Other contracts Other types of other trading contracts All other costs directly and indirectly related to the conclusion of an insurance contract Other contracts Other types of financial investments Other fiscal reserves Other issuers Other liabilities on behalf of risk participants Other participants Other over-the-counter trading contracts Over-the-counter forwards relating to foreign exchange contracts Over-the-counter forwards relating to interest rate contracts Over-the-counter options relating to foreign exchange contracts Over-the-counter options relating to interest rate contracts Other over-the-counter contracts relating to foreign exchange contracts Other over-the-counter contracts relating to interest rate contracts Over-the-counter swaps relating to foreign exchange contracts Over-the-counter swaps relating to interest rate contracts Over-the-counter trading Parking facilities in exploitation Participants Participations (classified as equity) Participations (classified as liability) Participations Patents, trademarks and other rights, internally generated Patents, trademarks and other rights, not internally generated Pension investments Pensioners Personnel costs for salaried agents Personnel Preferred dividend deducted from result for the year Preferred dividend Primary education PO Property, plant and equipment other Provision for obligations due to illness or disability Provision for disposal obligations Provision for employee benefits Environmental provision Provision for insurance of disability risks Provision for insurance of illness or disability Provision for jubilee benefits Provision for legal proceedings Provision for major maintenance Provision on behalf of risk participants Provision for onerous contracts Provision relating to participating interests Participations Provision pension obligations at the risk of participants Provision pension obligations at the risk of pension fund Provision for repair costs Restructuring provision Reorganization costs Provisions relating to share based payments Provision for unprofitable investments and restructuring Total of provision for unprofitable investments and restructuring Warranty provision Provision warranty obligations Guarantees Provision for insurance liabilities Provisions with a maturity exceeding five years Maturity exceeding five years Provisions with an expected maturity within one year Maturity within one year Public bodies Real estate and movable property used for exploitation Investment properties under development Investment properties in operation Receivables for mortgage loans Receivables from banks Receivables from customers Receivables from other loans Changes in value of financial instruments recognised directly through equity Recognised directly through equity Total of recognised directly through equity Changes in value of assets, except for financial instruments, recognised directly through equity Referral commission paid to staff Reinsurance share Reserve for discretionary profit sharing Reserves and funds Reserves Savings insurance Scientific education WO Secondary education VO Securities that will be allowed or be traded on regulated market within one year Settlement older years Settlement year t-8 Settlement year t-5 Settlement year t-4 Settlement year t-9 Settlement year t-1 Settlement year t-7 Settlement year t-6 Settlement year t-3 Settlement year t-2 Shares, securities with participating rights and other variable yield securities Social real estate in exploitation Spent on generating income Board members of study or student associations or the Participation Council Students with regard to exceptional performance in the field of sport or culture who are financially supported by the student support fund Students who are financially supported by the student support fund Higher education students in situations of force majeure (illness, disability, family circumstances, informal care, or study programs that cannot be studied) Other students who are financially supported by the student support fund Students with regard to outgoing scholarships who are financially supported by the student support fund Subsidy income where any surplus is added to the lump sum Subsidy income continuing into next year Subsidy income to be spent on the intended purpose including settlement of any surplus Supervisory expenses Swaps Tax payables Tax receivables Technical provision for discretionary profit sharing obligations Vocational education and adult education MBO Other accrued income Acquisition costs are the costs directly or indirectly related to the conclusion of insurance contracts (Article 2:440 paragraph 2 of the Dutch Civil Code). Acquisition costs capitalised Other assets Auditor's fees Budget Central government contributions Change in accounting estimates Change in accounting policies Classes of education sectors Classes of the exigibility of bonds and other fixed income securities Classes of investment properties Classes of investments Classes of investments Classes of investments Classes of investments Classes of the issuer of bonds and other fixed income securities Classes of maturity Classes of obligations on behalf of risk participants Classes of payables to participating interests Classes of provisions Classes of provisions other Classes of the public offering of bonds and other fixed income securities Classes of reserves and funds Classes of rights granted, not yet exercised Classes of subsidy income Commercial activities Board of directors, supervisory committee Construction contracts Continuity Damage insurance and reinsurance Damage year Damage year settlement statistics Other debt securities Derivative financial instruments Designated fund Description of designated fund Designated fund private Designated fund public Designated reserve Description of designated reserve Designated reserve private Designated reserve public Discontinued operations Duration technical provisions Education activities Other expenses of employee benefits Other equity and liabilities Equity Transfer between equity and liabilities Exceptional item Expense claims of and payments to managing directors Expenses allocation Other expenses Expenses spent on objectives Finance lease liabilities Other financial assets Risk exposure of financial instruments Financial instruments Financial instruments issued Financial instruments obtained Policy of financial instruments Students who are financially supported by the student support fund Financing deficit (surplus) to be settled in rates Impairment of a cashflow generating unit Impairment of an individual asset Income Income, segmented by geography Income with a special purpose Other income tax expense Indemnity insurance components Indirect result from investments by investment Description of individual investment above 5% Industry group Insurance account Insurance Individual intangible asset of importance for the legal entity Other intangible assets Other inventories Investment in investment company exceeding twenty percent Investment properties by class Investment properties by currency Investment properties by region Investments in fixed income securities by credit rating Investments in fixed income securities by currency Investments in fixed income securities by duration Other investments in land and buildings Other participating interests Investments in participating interests Other investments Other investments on behalf of participants Other investments on behalf of pension fund investment Investments in shares by currency Investments in shares by industry Investments in shares by region Non-current liabilities Interest rate of non-current liabilities Licensing agreements Macro management instruments Mergers and acquisitions Negative goodwill Non-commercial activities Non-commercial activities Non-commercial activities Number of other participants Obligations for risk participants Subfunds Other operating expenses Other operating income Other remainder assets Other financial investments Participating interest, names Other payables to credit institutions Other payables to customers relating to deposits Other types of other payables to customers Payables from hedging transactions concerning the price and exchange rate risk of investments Other payables Current other payables Other payables Payables from transactions with financial derivatives Prior period errors Product group Property, plant and equipment other Provision for insurance liabilities Provision pension obligations at the risk of participants Provision pension obligations at the risk of pension fund Other provisions Receivables, components Other receivables from banks Concentration of receivables from credit institutions by collateral Concentration of receivables from credit institutions by geographic area Concentration of receivables from customers by collateral Concentration of receivables from customers by geographic area Concentration of receivables from customers by industry Concentration of receivables from customers by sector Receivables from insurance policies not immediately due from current account Receivables indefinite Other receivables Current other receivables Other receivables from reinsurance part technical provisions Other contracts reinsurance Reinsurance part of technical provisions Reinsurance part technical provisions Related party Results appropriation Revenues from other sources Rights granted, excercised Rights granted, not yet excercised Rights granted, not yet excercised Risk group Risk group Risk group Segment reporting Settlement year Share certificates Shares Shares held in administration Source of profit Factors that affect the relationship between tax expense or income and profit Description of the statutory reserve Subordinated liabilities Subsequent events Subsidy income Other tangible assets Categories of Technical Accounts Other technical provisions Subfunds Year Other adjustments to reconcile to the operating result Items in the financial statement that do not influence revenues and expenses in that period Other adjustments Other cash flows from financing activities Other cash flows Other cash flows (from investing activities) Other cash flows Other cash flows from (used in) investment activities Other cash flows Other cash flows (from operating activities) Other mutations Other cash flows Capitalized cost of obtaining a project Capitalized cost of obtaining a project Dividends paid to others (from financing activities) Dividends paid to others Dividends paid to others Dividends paid to others (from operating activities) Dividends paid to others Dividends paid to others Movement in equity as a result of contributions by shareholders Contributions by shareholders Direct equity movement as a result of business acquisitions Direct movement as a result of business acquisitions Direct equity movement as a result of business divestitures Direct movement as a result of business divestitures Direct equity movement as a result of business divestitures Direct movement as a result of business divestitures Direct equity movement as a result of a change in accounting policies Direct movement as a result of a change in accounting policies Direct equity movement as a result of exchange differences Direct movement as a result of exchange differences Direct equity movement as a result of goodwill Direct movement as a result of goodwill Direct equity movement as a result of the reversal of impairments Notification of the amount received from reversal of impairments of non-current assets recorded directly in equity during the financial year Direct movement as a result of the reversal of impairments Direct equity movement as a result of impairments Notification of the amount of impairment of non-current assets directly accounted for in equity during the financial year Direct movement as a result of impairments Direct equity movement as a result of impairments Direct movement as a result of impairments Direct equity movement as a result of prior period errors Direct movement as a result of prior period errors Movement in equity as a result of dividend distribution Dividend distribution Dividend distribution Movement in equity as a result of loss reduction Loss reduction Movement in equity as a result of other movements Other movements Movement in equity as a result of result allocation of the net result Result allocation Movement in equity as a result of revaluations Revaluations Movement in equity as a result of shares exercised due to share based arrangements Movement in equity as a result of shares exercised due to share based arrangements of the legal entity Shares exercised due to share based arrangements Movement in equity as a result of shares granted due to share based arrangements Movement in equity as a result of shares granted due to share based arrangements of the legal entity Shares granted due to share based arrangements Movement in equity as a result of the issue of shares Issue of shares Movement in equity as a result of the withdrawal of shares Withdrawal of shares Withdrawal of shares Movement in equity as a result of transfers Transfers Movement in equity as a result of the purchase of treasury shares Purchase of treasury shares Purchase of treasury shares Movement in equity as a result of the sale of treasury shares Sale of treasury shares Endowment Payments/ repayments Payments/ repayments Receipts / deposits Disclosure of the reconciliation of the income tax expense to the corporate tax return Voluntary disclosure that can serve as a reconciliation between the financial statements and the income tax declarations. Decrease (increase) in construction contracts Increase (decrease) in other payables Changes in other payables Decrease (increase) in securities Increase (decrease) in payables to banks Changes in payables to credit institutions Description of intangible assets with limited ownership Description of intangible assets put up as collateral for debts Investment properties in exploitation Other acquisitions of investments Other movements of investments Total of other movements of investments Other price differences of investments Price differences Other revaluations of investments Revaluations Other sales of investments Sales Date of the last available financial statements of the legal entity Date of the last available financial statements Interest in voting rights of the legal entity Interest in voting rights Payments Payments Receipts / deposits Receipts / deposits Other management expenses Other income and expenses after tax Payments to suppliers Payments to suppliers Description of use the mandatory exception in paragraph 102a for accounting for deferred tax assets and liabilities related to Pillar 2 income taxes Description of the expected effects of the Pillar 2 legislation Description of the method of passing on Pillar 2 profit taxes Description of the Pillar 2 tax expense (or benefit), including any Pillar 2 pass-on tax, included in the tax expense or benefit Proceeds from sales of investment properties Movement of provisions Total of movements during the period Movement Provisions expected to settle after more than one year and less than five years Purchase of investment properties Purchase of investment properties Share in results Current subordinated liabilities Amount of debts that are subordinated to the other debts Subordinated liabilities Non-current subordinated liabilities Subordinated liabilities Subtotal noncurrent liabilities including the short-term portion Subtotal noncurrent liabilities at the end of the period Investment properties in exploitation Investment properties in exploitation Presentation currency of the document The currency in which the financial information in the document is presented. Presentation currency Address of the legal entity The address of the legal entity. Financial statements are consolidated The indication of whether the financial statements are consolidated financial statements. Cash flow statement Total of investment properties in exploitation and investment properties under development Total of DAEB investment properties in exploitation+ non-DAEB investment properties in exploitation Construction claims Disclosure of construction claims Policy of construction claims Result for the year Realization of revaluation Realization of revaluation Release of revaluations Release of revaluations Result from fair value adjustments Assets acquired through acquisition Decommissioning and disposals Decommissioning and disposals Transfers from DAEB to Non-DAEB Transfers to real estate in operation (delivery) Transfers to real estate in operation (delivery) Transfers of real estate in operation (contribution) Transfers to and from inventories and real estate for own use Transfers from Non-DAEB to DAEB Transfers to real estate under development intended for own exploitation Transfers of real estate under development Transfers to and from real estate sold under conditions Transfers of investment properties under development Changes in value Balance Balance Other changes Other changes Release of premium loans Release of premium loans From: repayment obligation next year From: repayment obligation next year Reductions due to buybacks Reductions due to buybacks Credit interest Other additions Other repayments/reductions Other repayments/reductions Received security deposits Refunded security deposits Refunded security deposits Repurchase obligations arise upon new transfers Change in value of repurchase obligation Change in value of repurchase obligation Other provisions Other Future investments in new construction projects Future investments in existing complexes Allocation of actuarial results Application and compliance with codes of conduct Funds Funds at the beginning of the period Funds at the end of the period Reimbursement for costs Nature of significant performance obligations Nature of significant performance obligations Corporate structure and staffing Culture and behaviour - soft controls Description of decisions to grant allowances or discounts Deducted costs (management fee and other fees) Description of the application of the alternative to current classification of liabilities under a long-term loan agreement in the event of expected non-compliance with loan conditions within 12 months after the balance sheet date Description of the extent to which the ecological or social characteristics have been met Description of the extent to which the evaluation of the achieved and unrealised objectives and the extent to which their effects contribute to the main objective has consequences for the multi-year policy plan Financial developments Future expectations Description of the main features of the scheme, including whether it is a scheme with or without accrual of rights based on the economic reality of the scheme Approximate amount of the debt with regard to the due date of the debts that become due immediately or in the short term Description of the main goal and for which target group they want to achieve this Money market funds (securities) at the end of the period Money market funds (securities) at the beginning of the period Money market funds (securities) Description of which objectives have been achieved and which have not and the evaluation of the extent to which their effects contribute to the main objective Objectives and (core) activities Other topics Policy, course of business and previous expectations Policy on risk management of financial instruments Description of the premiums actually received, the premiums in arrears (with a link to the outstanding claims) and the write-offs from previous years Description of programs and/or projects to achieve the main objective Description of how the protection efficiency, the projection efficiency and the excess efficiency are determined Provision for operational costs Reclassifications to and from real estate sold under conditions for property plant and equipment Research and development Description of how returns are allocated to the provisions and equity components Description The return on the investment portfolio is allocated to the various liabilities and equity components Risks and risk management Description of risks regarding transition to the WTP (including data quality) Description of the application of IFRS9 Description of the application of IFRS15 Description of each separate asset Description of the overall sustainability-related effect of the financial product using relevant sustainability indicators Description of a comparison between the overall sustainability-related effect of the financial product with the effects of the designated index and of a broad market index using sustainability indicators Contruction claims Ftk scheme WTP scheme Major type of performance obligation Classes of investment properties Classes of government and banks Classes of obligations Classes of group companies Classes of other payables Categories of legal entities Classes of provisions deferred tax liabilities housing Classes of provisions other provisions housing Classes of real estate under development intended for own exploitation Classes of real estate sold under conditions Increase (decrease) in cash and cash equivalents Cash flows from (used in) financing activities Adjustments to reconcile to the operating result Changes in working capital Cash flows from (used in) operating activities Cash flows from (used in) investing activities Other liabilities, accruals and deferred income Other receivables, prepayments and accrued income Investment properties Accountability Note 'Clarity in funding' Accountability quality agreements Budget figures for the financial year in the statement of income and expenses Explanation of claims on banks Financial instruments that would be accounted for as equity based on their economic reality but are accounted for as liabilities based on their legal form Liabilities arising from share-based payments Preference share, with or without cumulative dividend Debts under the macro-management document Description of the discount rate used and other important principles and assumptions Description of the discount rate used and other important principles and assumptions Electricity energy costs Energy transport and other Income or expense recognised directly in equity on derivatives and non-derivatives designated as hedging instruments in a cash flow hedge Pension fund explanation Disclosure of fair value information for financial instruments not measured at fair value Food stock Foreign currency exchange rate results (costs) Foreign currency exchange rate results (income) Gas energy costs Description of the main features of the scheme, including whether it is a scheme with or without accrual of rights based on the economic reality of the scheme Description of the main features of the scheme, including whether it is a scheme with or without accrual of rights based on the economic reality of the scheme Description of the main features of the scheme, including whether it is a scheme with or without accrual of rights based on the economic reality of the scheme Description of the statement regarding the full application of the Guidelines for Annual Reporting Non-current liabilities including the short-term portion Maintenance Description of the method of allocating revenue to reporting periods by major type of performance obligation Net assets Financial instruments that would be accounted for as equity based on their economic reality but are accounted for as liabilities based on their legal form Liabilities arising from share-based payments Preference share, with or without cumulative dividend Other financial expenses Other stocks The description of the distribution capacity at the collective level The description of the amount of expected fees, stating the recognized assets in connection with those expected fees Received dividends Repayment obligations of health insurers in previous years Revenue DBCs / DBC care products yet to be invoiced The description of the dispersal capacity at the collective level The description of the spreading methodology used by the pension fund Overview of staffing levels per identified segment Stock of medical supplies Stock of tools Subsidies for Wlz/Zvw care Disclosure of information regarding the application of the transitional provision - effect of the system change with respect to the maintenance provision Explanation regarding the use of the (temporary) transitional provision for major maintenance by an educational institution Work regulated segment Work unregulated segment Distribution capacity Dispersion capacity Financial instruments that would be accounted for as equity based on their economic reality but are accounted for as liabilities based on their legal form Liabilities arising from share-based payments Preference share, with or without cumulative dividend